Martial Arts Insurance for Instructors, Schools, Gym & Business

 

There are 21,339 martial arts schools and 13,025 martial arts instructors in the United States. Most people want to learn martial arts. 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. 

Teaching many people comes with legal liability and financial loss when risks happen. And so, it’s best to have martial arts business 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.  

And so, here’s a table that outlines the cost:

Type of Injury Settlement Cost 
Arm Fracture $65,000
Leg Fracture $83,000
Head Injury $80,000
Eye Injury $48,282
Jaw Injury  $76,329
Shoulder Injury $156,000
Knee Injury  $114,293

Professional liability insurance, on the other hand, will apply if a student files a lawsuit against the 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 can be costly. The settlement is $30,000 – $100,000 or more  without insurance. 

Public Liability Insurance for Martial Arts Instructors

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

Martial Arts Clubs and Organizations

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

Karate Insurance

Martial arts insurance can be categorized into different types based on which combat sports its terms apply. karate insurance offers karate liability insurance and property insurance. This policy is great for those who teach:

  • Shotokan
  • Gojo-Ryu
  • Uechi-Ryu
  • Wado-Ryu
  • Chito-Ryu
  • Enshin
  • Kishimoto-di

Karate instructor insurance has general liability and professional liability coverages. The policy limit starts at $1 million up to $2 million. Personal injuries it covers are fractures, contusions, sprains, and strains.

Karate school insurance offers commercial property coverage, directors and officers liability coverage, and commercial auto insurance aside from general and professional liability coverage. 

The policy limit of commercial property coverage is $1 million for damage to business structures and $100,000 for equipment breakdown.

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Self-Defense Instructors 

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. 

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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 

It 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.

Pros

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

Cons

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

Ratings; 10/10

Thimble 

It 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.

Pros

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

Cons

  • Claim responsiveness could be slow at times

 

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