Martial Arts Insurance Coverage

We offer both general liability and accident medical insurance to martial arts studios that teach the following disciplines or styles:

Don’t see your martial arts system above? Contact us to find out if we can still insure you, your studio, or your upcoming tournament.

When an injury, such as a sprained wrist or ankle or a broken leg occurs, insurance coverage for your martial arts studio can alleviate worry and financial burden.

Our general liability insurance policy provides coverage for claims and lawsuits that allege bodily injury or property damage. 

General liability covers up to a specific amount to spectators and other non-members of your organization who file a claim or lawsuit against your martial arts business. Fortunately for policyholders, investigation of the claim and adjustment of any potential payout are taken care of by the insurance company.

General liability also covers property damage that may be due to negligence on the part of the named insured.

Who Is Covered

This program provides protection for your Martial Arts School or Studio owners, instructors, and employees against claims of bodily injury liability, property damage liability, and the litigation costs to defend against such claims. Coverage is provided up to $1,000,000 per occurrence with a general aggregate amount of $1,000,000. There is no deductible amount.

Coverage includes suits arising out of:

• Injury or death of participants
• Injury or death of spectators
• Injury or death of volunteers
• Property damage liability
• General negligence claims
• Cost of investigation and defense of claims, even if groundless

Exclusions & Ineligible Sports/Activities

Abuse/Molestation, Assault & Battery, Employment Related Practices, Total Pollution, Collapse of Temporary Structure, Fireworks/Pyrotechnics, Use of Trampolines, Inflatables, Diving Boards, Swimming Activities, Gymnastics, Cheerleading Pyramids, Skin & Scuba Diving, Snow Skiing, Water Skiing, Motor Sports, Rodeo or any Equestrian Related Sports, Polo, Mountain Climbing, Rock Climbing, Climbing Walls, Waterslides, Ballooning, Parachuting, Sale/Manufacture/Distribution of Athletic Equipment, Use of Saunas or Tanning Devices, Full Contact Sparring of Any Kind, Boxing, Mixed Martial Arts, Cage Fighting, Law Enforcement Training, Public Safety Training, Military Personnel Training, Aerial Maneuvers or Silk Rope Activities More than 5 Feet off Ground, Use of Bladed Weapons, Use of Projectile Weapons including, but not limited to Firearms and Tasers and Defense Sprays, and the following Martial Arts Styles – Muay Thai/Thai Boxing, Kali/Escrima, Savate, Sayoc Kali, Dim Mak and Haganah.

Our excess accident medical policy helps pay for out-of-pocket medical costs for an injured martial arts student or instructor. Injuries do happen when participating in youth and adult martial arts classes, and an accident medical policy can keep injured students or instructors from facing a serious financial burden due to medical bills from an injury.

Covered individuals would encompass all registered members of your organization, including participants and volunteers, so long as the injury happened during a covered activity.

The policy pays medical bills for a member who is injured at your school or during activities you sponsor, if, either the member has no health insurance, or the medical bills exceed what the member’s insurance will pay.

All youth and adult students and staff members of the Policyholder are covered while participating in sponsored activities.

Maximum Excess Medical Expense Benefit

If the Covered Person incurs eligible expenses as the result of a covered injury, the Company will pay the cost of such expenses, which are incurred within a 52-week period following the date of the accident, beginning on the date of the accident. Payment will be made for eligible expenses, not to exceed the Maximum Medical Expense Benefit of $100,000, subject to a deductible amount of $250. The first such expense must be incurred within 90 days of the date of the accident.

This coverage is excess medical, commonly known as secondary coverage. Primary coverage of the injured party will be responsible for initial payment of medical expenses. The coverage we provide pays expenses not paid by the insured’s primary insurance, subject to the plan deductible. This plan does not cover treatment or services payable under any other insurance or medical service plan available to the Covered Person.

Exclusions and Limitations

This Plan does not cover any loss due to or resulting from:

• Sickness or disease in any form, except pyogenic infections due to an accidental cut or wound.
• The use of drugs or narcotics, unless administered under the advice of a physician.
• War or any act of war, whether or not declared.
• Participation in any riot or civil commotion.
• Suicide or any attempt thereat or any self-inflicted injury.

For Martial Arts studios, there is a basic annual premium starting at $8.71 per student. The number of active students is based on the busiest month of the year where enrollment is highest. This calculation is based on the previous year’s enrollment numbers.

If your studio has less than 50 enrolled students, there is a minimum premium of $450 plus fees, which results in around $490 per year.

We also offer insurance coverage for independent martial arts instructors. Contact us or complete the quote form to receive an estimate of insurance premium costs.

If you require insurance for any martial arts with full contact, including MMA with full contact, competitive training of fighters or boxers, a ring, or a cage, please contact us directly for a quote.

The study of Martial Arts allows students, no matter their age, to learn self-defense and discipline. There are always risks in teaching martial arts and operating a school; therefore, participation can result in accidents and injuries. Our specialized insurance can help injured students meet large deductibles and pay remaining balances after their insurance pays benefits.

In addition, our coverage helps studio owners satisfy insurance requirements mandated by lenders or landlords, and gives protection from exposure to lawsuits through claims made by participants or spectators.

Staff members are included for no extra charge. Please note that independent contractors are not considered staff, however, they may be added for an additional premium under optional coverages.

Our specialty insurance for Martial Arts Schools and Studios is designed to help ease the financial and emotional burden one can incur as a result of a lawsuit or participant injury claim. Liability insurance, which includes participant medical coverage, is offered as a standalone product and with options such as equipment, abuse/molestation, spectator medical payment, camps, and tournament coverage available.