Martial Arts Insurance Coverage

For Studios, Schools, Instructors, and Tournaments

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Insurance for Martial Arts Studios, Instructors, and Tournaments

Martial arts are codified systems and traditions of combat practiced for a number of reasons such as self-defense; military and law enforcement applications; competition; physical, mental, and spiritual development; entertainment; and the preservation of a nation’s intangible cultural heritage.

Martial arts training is valuable for many purposes, including teaching discipline and self-defense, and improving health and fitness. Owning or operating a martial arts training center or competition is about providing students those benefits.

While instructing martial arts can certainly be conducted in a very safe and low-contact manner, there are always risks to teaching martial arts, operating a martial arts studio or school, or hosting a martial arts tournament.

Even if the martial arts studio has taken all realistic precautions, it can still be held liable for injuries and other issues related to its events and facilities.

Our insurance policies for martial arts programs allow you to focus on providing your services with peace of mind knowing that you are protected against potential risk.

martial arts student on knees against a black backdrop
martial arts students practicing in studio, indoors
martial arts tournament, indoors

Types of Martial Arts We Cover

Studios & Instructors

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

A modern Japanese martial art that is split into many different styles, including Iwama Ryu, Iwama Shin Shin Aiki Shuren Kai, Shodokan Aikido, Yoshinkan, Aikikai and Ki Aikido
Brazilian Jiu Jitsu (BJJ)
A martial art and combat sport based on ground fighting and submission holds
A Brazilian martial art that combines elements of dance, acrobatics, and music
A form of self-defense that employs joint locks, grappling, throwing techniques, kicks, punches, and other striking attacks
A system of unarmed combat, modern Japanese martial art and Olympic sport Karate: A martial art believed to have begun in the Ryukyu Kingdom, developed from the indigenous Ryukyuan martial arts under the influence of Chinese martial arts, particularly Fujian White Crane
A martial art believed to have begun in the Ryukyu Kingdom, developed from the indigenous Ryukyuan martial arts under the influence of Chinese martial arts, particularly Fujian White Crane
The name of several arts, its meaning is “fist method”
Kickboxing and Cardio Kickboxing
A group of stand-up combat sports based on kicking and punching, historically developed from karate mixed with boxing, with Taekwondo, Muay Thai, and Savate also having some influence
Krav Maga
A military self-defense and fighting system developed for the Israel Defense Forces and Israeli security forces derived from a combination of techniques sourced from Boxing, Wrestling, Judo, Aikido, and Karate
Kung Fu
The Chinese martial arts also called wushu and quanfa. In China, it refers to any study, learning, or practice that requires patience, energy, and time to complete
Law Enforcement Self Defense
The use of force by law enforcement officers necessary and permitted under specific circumstances, such as in self-defense or in defense of another individual or group
MMA / Mixed Martial Arts (without full contact)
Combat sport based on striking, grappling and ground fighting, incorporating techniques from various combat sports including boxing, kickboxing and martial arts from around the world
Muay Thai (without full contact)
A martial art and combat sport that uses stand-up striking along with various clinching techniques
A style of karate, developed from various martial arts by Gichin Funakoshi and his son Gigo Funakoshi
Tae Kwon Do
A Korean form of martial arts characterized by punching and kicking techniques, with emphasis on head-height kicks, jumping spinning kicks, and fast kicking techniques
Tai Chi
An ancient Chinese tradition that, today, is practiced as a graceful form of exercise
Tang Soo Do
A Korean martial art based on Karate that may include fighting principles from subak, as well as northern Chinese martial arts
Wing Chun
A concept-based traditional Southern Chinese kung fu style and a form of self-defense that requires quick arm movements and strong legs to defeat opponents

Don’t see your martial arts system above? Contact us to find out if we can still insurance 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.

General Liability Insurance for Martial Arts

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.

Accident Medical Insurance for Martial Arts

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.

How Much is Martial Arts Insurance?

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.

Full-Contact Martial Arts and MMA Insurance

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.

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Studios & Instructors

Martial Arts Insurance


Martial Arts Insurance

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Martial Arts Insurance Coverage

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