Martial Arts Insurance for Instructors, Schools, Gym & Business

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There are 21,339 martial arts schools and 13,025 martial arts instructors in the United States. The median income of martial arts instructors is 19.48 per hour or $40,510 per year. On the other hand, martial arts schools earn as much as $14,000 per year in small cities up to $100,000 a year in big cities. 

Many want to learn martial arts in the United States. The most recent data shows that there are at least 3.42 million people, ages 6 years old and older, who are enrolled at dojos.  With that said, martial arts schools and martial arts instructors teach a lot of people. The problem with teaching many people is that exposures resulting in legal liability and financial loss are more likely to happen. And so, it’s best to have martial art insurance as immediate protection. 

Martial Arts Insurance

Martial arts insurance is a collective term for specific insurance products that provide protection against the exposures associated with teaching karate, mixed martial arts (MMA), Brazilian jiu-jitsu, Taekwondo, Kung Fu, Muay Thai, and Aikido. 

Also, insurance for martial arts is available as business insurance for martial arts instructors, gyms, schools, clubs, and studios.  This bundles liability insurance and commercial property insurance for more comprehensive protection.   Also, martial arts business insurance allows for customization so that the policyholder has control over premiums, policy limit, and exposures covered. 

Martial Arts Liability Insurance

The most common martial arts liability insurance instructors and schools get are general liability and professional liability insurance. 

General liability insurance offers protection when a student files a personal injury claim or property damage claim against the instructor or the school’s management. A martial arts instructor or martial arts school can face legal liability for any injuries or property damage a student experiences during a sparring session or during the demonstration.  

Having general liability insurance will be extremely helpful. Settlement for property damage can be as costly as $100,000.  As for personal injuries, it depends on which body part was affected. And so, here’s a table that outlines the cost:

Professional liability insurance, on the other hand, will apply if a student files a lawsuit against the martial arts instructor or martial arts school by reason of negligence.  Negligence claims mostly happen when:

• When there’s failure to assist the student during training

• The instructor or school didn’t take into account the difficulty of the lesson with regards to the student’s health 

• A student got severely injured during a sparring session because of faulty safety gear

• The instructor or school failed to assess an injury the student experienced during training

Negligence lawsuits against martial arts instructors and martial schools can be costly. The settlement is $30,000 - $100,000 or more  without insurance. 

Public Liability Insurance for Martial Arts Business

What if curious guests visit a martial arts gym, decide to give it a try, and end up injured? Will professional liability or general liability in martial arts gym insurance provide coverage? The answer is no. The policy that will take care of claims from visitors and other entities not directly associated with the martial arts gym is public liability insurance for martial arts business

Can Martial Arts Clubs and Organizations Get Insurance?

Martial arts clubs and organizations can get insured through martial arts club insurance or business insurance for martial arts. Policies included in insurance for martial art clubs and organizations are:

• Property insurance

• General liability insurance

• Professional liability insurance

• Directors and officers liability insurance

• Public liability insurance

Remember that carriers require the following from anyone who wishes to qualify for martial arts club insurance:

• The organization or club must have 20 members or more

• The organization or club must be registered to federal or state agencies

• The organization or club must provide proof of non-fraudulent or non-terrorist activity

• The organization or club must provide a copy of its constitution and by-laws as well as its organizational structure

Try to check out the martial arts club insurance of Protectivity.  A lot of customers opt to work with this company because its policies are underwritten by AXA XL. Also, Protectivity insures 150 types of martial arts clubs.

Can Self-Defense Instructors Get Insured With Martial Arts Insurance? 

Before giving the answer, allow us to clarify one thing: martial arts instructors can be self-defense instructors whereas self-defense instructors may or may not be martial arts instructors . Some self-defense instructors teach karate, taekwondo, or any other combat sports as self-defense. While others teach conventional hand-to-hand combat or weapons handling. The perfect example is military veterans who are teaching self-defense. 

Self-defense instructors that teach martial arts can get insured through martial arts insurance. However, those that teach weapons handling or hand-to-hand combat can only get insured through self defense instructor insurance, which has:

• General liability

• Products and completed operations

• Damage to rented property

• Professional liability

The policy limit of the coverages in self defense instructor insurance is $1 million up to $5 million. But understand that having a greater policy limit will result in expensive premiums.

Note that insurance for self-defense instructors is available as a short-term policy or per session only policy. To decide which to get, it's best to consult websites that allow for self-defense insurance comparison such as CoverWallet, GoCompare, and Zebra. 

Martial Arts School Insurance vs. Martial Arts Instructor Insurance

Martial arts instructor insurance only offers liability coverage. In addition, a customer can opt to get it as a short-term policy that only lasts for hours, days, or months.  

Martial arts school insurance doesn’t only offer liability coverage but also other policies that offer protection against business interruption, lawsuits from employees, and damage to business property.

Martial arts instructor insurance is best for those who get paid by dojos to do sessions. As for those who are running their own martial arts dojo, it’s better to purchase insurance for martial arts schools. 

Martial Arts Insurance Cost

• Martial arts insurance for instructors costs $43 a month or $516 a year for a $1 million general liability policy

• Martial arts clubs and organizations pay $86 a month or $1,032 a year for a $1 million general liability policy 

• Martial arts insurance cost for large martial arts studios is $295 a month or 3,548 a year for a $1 million general liability policy

Best Martial Arts Insurance Companies

Are you not sure which insurance company to choose and what are factors to consider? To help you, this section discusses the best martial arts insurance companies and what they offer through martial arts insurance reviews.

CoverWallet Martial Arts Insurance

Why Get Insured by CoverWallet?

• Fast quote comparison online
• Affordable
• Easily claims processing and policy management
• Operated by AON, an insurance carrier

Why Take CoverWallet with a Grain of Salt?

• CoverWallet is not an insurance company and offers the policies of its partners

Coverwallet Insurance has been in operation for many years and is now an AON company. The company offers martial arts insurance quote comparison online services from leading carriers. With Coverwallet, you will enjoy tailored martial arts insurance coverage at great rates that will protect your business against any claims.

Coverwallet offers martial arts insurance quotes comparison online for both general and professional liability insurance for martial arts, as well as all other possible policy types, like commercial vehicle insurance, workers compensation, commercial property insurance, and business owners policy.

Thimble Martial Arts Insurance

Why Get Insured by Thimble?

• AffordableFlexible monthly payment options
• Tailored on-demand policies starting from 1 hour with an initial cost of $5
• Comprehensive business insurance coverage

Why Take Thimble with a Grain of Salt?

• Claim responsiveness could be slow at times

Thimble Insurance Company is known for its tailored on-demand business insurance coverage options. Thimble Insurance has high membership thanks to its innovative products, reliability, online accessibility, and steadfastness. > Thimble offers different types of martial arts business insurance coverage. Apart from general liability insurance, Thimble offers tailored professional liability insurance for martial arts studios at affordable rates.