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Martial Arts Insurance for Instructors, Schools, Gym & Business

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If you are operating a martial arts program or school, you provide essential skills to students who may need them to defend themselves. Martial arts programs are vital in teaching self-defense to both children and adults. It is also an excellent way to stay fit and boost self-confidence. However, martial arts is a very physical practice with high chances of injury or damage. This means that things could easily go wrong for you. 

Therefore, just like gym businesses need gym insurance, yoga teachers need yoga teacher insurance, personal trainers need personal trainer insurance and dance studios need dance studio insurance to protect itself against certain risks, martial arts professionals and businesses require martial arts insurance to protect from possible claims. These include all sorts of martial arts business insurance types - martial arts school insurance, martial arts instructor insurance, martial arts club insurance or any other type of related business insurance.

And this is what this guide is all about. This martial art insurance guide will provide everything you need to know about martial arts business insurance, top reasons why you should get it, cost, its various forms and more. We will also discuss what it covers and some of the best martial arts business insurance companies offering it.

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Martial Arts Liability Insurance

Whether you are in search of kung fu insurance, karate insurance, jiu-jitsu insurance, BJJ insurance (Brazilian Jiu Jitsu), taekwondo insurance, muay thai insurance, aikido insurance or mixed martial arts insurance - business insurance for martial arts instructors gyms schools clubs and studios are required for all types of martial arts and self-defense businesses, as the risk associated with this practice is high, and that's where martial arts liability insurance gets in to the picture. 

Generally, martial arts is a fast-paced sport that even the slightest of errors could cause serious injury. Furthermore, there are many risks outside the martial arts classroom. For instance, your equipment could be damaged or stolen, causing serious financial losses. For that reason, you need martial arts gym insurance that protects you against such cases. A comprehensive insurance cover protects both participants and instructors against possible damage.

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Public Liability Insurance for Martial Arts Business

Whether you just started practicing martial arts or are an experienced martial arts instructor, there is so much at risk. You could accidentally injure a customer or cause damage to their property. This is why you need public liability insurance for martial arts business. With this coverage, that is normally included in general liability insurance policies, which are also our recommended coverage type as it covers your from both public claims and claims and lawsuits coming from employees, vendors and business owners, you can focus on your practice without worrying about possible claims from members of the public, your customers. 

Public liability insurance for martial arts businesses covers a wide range of claims. Here are some of the areas it covers;

Injuries

When instructing your martial arts class, you may accidentally hurt a student. Afterward, the student might file a claim against you, especially if the injuries are severe. Public liability insurance for martial arts will protect you against such claims. Similarly, when you leave your kit bag on the classroom floor, and someone trips on it and breaks their ankle, you might face a lawsuit that could lead to losses.

Equipment Repairs and Replacements

Generally, equipment used in martial arts is very expensive. Your martial arts business could suffer a serious blow if the valuable equipment were stolen or damaged. Without insurance cover, you will have to use money out of your pocket to repair the damage. Thankfully, with martial arts insurance, your equipment is covered for and will be replaced or repaired in case of damage. This will help you get back on your feet in no time.

Whether it is clothing or training aids, this insurance policy covers it. This policy is so important that some landlords ask for it before letting you rent their commercial building. You should purchase martial arts gym insurance that also protects against damages to the rental building. This will go a long way in preventing financial losses.


Karate Insurance

Regardless of age or gender, self-defense is the main reason many people do karate. Having the ability to defend yourself is empowering, and karate is one of the best self-defense tools at hand. If you are a karate instructor, you know the risks associated with this sport. Things can easily get out of hand, putting your karate business at risk. This is why you need karate liability insurance that protects you from possible claims.

Karate instructor insurance covers you against several lawsuits. For instance, when you accidentally injure your trainee during a karate session, they might file a claim against you. This could result in financial losses if you don't have karate liability insurance. Therefore, you should purchase karate liability insurance policy for better protection. If you run a karate school though, you should seek karate school insurance policies. Same goes for karate studios, gyms and clubs.


Martial Arts Insurance Cost

The average martial arts insurance cost is around $73 per month or $876 per year for a small martial arts business $1m general liability insurance policy. However, some martial arts schools may spend up to $5,500 per year. This means that martial arts insurance cost varies from one martial arts business to another. Several factors determine the martial arts insurance cost. For instance, the size of your martial arts business determines how much you will spend on the policy. Established martial arts programs and schools can spend up to $1,000 per month. On the other hand, a self defense instructor insurance cost may get as low as $25 per month or $300 a year. Furthermore, your business's geographic location will affect the amount you pay monthly in insurance. Other factors like the claims history and risks your martial arts business faces could also affect the total cost. 


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Best Martial Arts Insurance Companies

Having known the importance of martial arts insurance, you decide to purchase it. However, you are not sure which insurance company you should choose and the factors you should 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

Coverwallet Insurance has been in operations for many years and is now an AON company. The company offers martial arts insurance quote comparison online service from leading carriers, as well as a wide range of other businesses. With Coverwallet, you will enjoy tailored martial arts insurance coverage at great rates that will protect your business against many 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 BOPs. It also covers situations where martial arts equipment sustains damage and needs repair.

Pros

  • Fast quote comparison online

  • Affordable

  • Easily accessible claims processing and policy management

  • Operated by Aon, an insurance carrier

Cons

  • Hard to find

Average cost: $23 per month (general liability)

Best for: Online martial arts and karate insurance quotes comparison

Rating: 5/5

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Thimble Martial Arts Insurance

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, steadfastness and integrity.

Thimble Policy Details

Thimble offers different types of martial arts business insurance coverage. Apart from general liability insurance, Thimble offers tailored professional liability insurance for martial arts businesses on-demand at affordable rates. 

Pros

  • Affordable

  • Flexible monthly payment options

  • Tailored policies on-demand starting from 1 hour and $5

  • Comprehensive business insurance coverage

  • Digital and innovative

Cons

  • Claim responsiveness could be slow at times

Average cost: $26 per month

Best for: Cheap on-demand martial arts insurance policies.

Rating: 4.5/5

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