Buy Martial Arts Insurance

Martial arts insurance is a type of insurance specifically designed for martial arts schools, instructors, and practitioners. It provides coverage for injuries and accidents that may occur during training or competition, as well as liability protection for the school or instructor in the event of a lawsuit.

The coverage typically includes medical expenses for injuries sustained during training, as well as lost income for instructors or practitioners who are unable to work due to an injury. Liability coverage may include protection for wrongful acts, such as negligence or defamation, and may also cover property damage and third-party injuries.

Martial arts insurance is often required by martial arts organizations and competitions, and is recommended for any school or instructor to have in place to protect against potential financial losses. It can also provide peace of mind for students and parents, knowing that they are protected in the event of an accident or injury.

Overall, martial arts insurance is a necessary and important investment for anyone involved in the martial arts community, as it provides financial protection and peace of mind for all parties involved.

The average price of a standard $1,000,000/$2,000,000 General Liability Insurance policy for small martial arts businesses ranges from $57 to $89 per month based on location, style, size, payroll, sales and experience.

Martial arts dojos, also known as training centers, offer classes and training in a variety of martial arts disciplines, and they play a vital role in promoting fitness, self-defense and overall well-being. However, owning and operating a martial arts dojo comes with certain risks and potential liabilities, which is why insurance is essential.

One of the main reasons why martial arts dojos need insurance is to protect against accidents and injuries. As with any sport or physical activity, there is a risk of injury, whether it is from slips and falls, collisions, or even medical emergencies. Having insurance coverage can help to mitigate the financial burden of medical expenses or lawsuits that may arise from accidents.

Another important reason why martial arts dojos need insurance is to cover damage or losses to the facility itself, such as equipment breakdowns, or natural disasters like fires, storms, or floods. Insurance can also cover the damages caused by people inside the dojo that may unintentionally or intentionally damage the equipment and infrastructure.

Furthermore, martial arts dojos also need insurance to cover liabilities such as wrongful termination, discrimination or harassment, as well as environmental hazards that may occur on the property. This type of insurance provides protection for the dojo owners and their employees in case of legal actions against them.

Overall, martial arts dojos need insurance for a variety of reasons to protect against potential losses, damages and liabilities. Without insurance coverage, the dojo owners and employees may be at risk of significant financial burden, and the public may not feel safe and secure in the premises. Insurance helps to ensure that the dojo is able to continue operating and providing services without worrying about financial losses.

If you own a martial arts studio in or have plans to expand by opening a new one, protecting your business' interests and your employees and equipment is an essential part of the process. Most studios should look for martial arts insurance:

General liability insurance. This sort of martial arts insurance provides coverage for claims that result from accidental injury on the premises. Liability lawsuits can be quite excessive, so you should choose the limits of your policy based on how many people you normally train and the number of staff you employ, among other factors

Worker's compensation insurance. This is a necessary insurance that you must provide if you have any employees working for you. Check with your licensed agent to make sure that you are compliant with the laws in your area and that you are fully protected against injuries or illnesses caused by work-related activities.

Umbrella insurance. This is an additional type of liability insurance that protects your studio against claims that exceed the limits of your normal policy. It is usually quite budget-friendly and provides an additional reduction in your risk exposure.

Property insurance. Cover the contents of your dojo and the building in which your business is lodged with property insurance. Check to see that you're covered in the events of severe weather, fire, and other perils. You may need a separate flood insurance policy, since most property insurance policies do not cover flooding.

Coverage for tournament action. If you take your students to another facility or host tournaments at your studio, then check out separate martial arts insurance coverage for the possible accidents and injuries that may result.

Students undergoing martial arts training can become severely injured, leaving your business liable. Concussions and injuries to the nose, ears, eyes, and head are common. Neck injuries, injuries to the skin, and broken extremities are also possible.

Oftentimes these types of injuries heal up without causing a lasting effect, but others cause lifelong problems and necessitate the martial art student taking therapy and rehab for long periods of time to regain their full functioning.

Due to the high number of injuries in martial arts training, it makes a lot of sense for any dojo to look into protection with proper martial arts insurance.

Individual instructors who work in martial arts facilities but do not own them should also make sure they are protected, since they can be named individually in a suit if they are responsible for injury.

Of all martial arts disciplines, some stick out as the worst offenders when it comes to the number of injuries experienced by participants. A British study compared five different martial arts disciplines to determine which of them had the highest rates of participants requiring time off due to injuries.

If you operate a martial arts studio that engages in any of these particular disciplines, you definitely need to consider martial arts insurance to protect your business from liability if the unexpected happens.

The study found that among the various disciplines, these were the most likely to result in injuries and time off due to injuries: tae kwon do (injury rate of 59 percent), Aikido (injury rate of 51 percent), Kung Fu (injury rate of 38 percent), karate (injury rate of 30 percent), and Tai chi (injury rate of 14 percent).

Just one injury can be enough for an uninsured studio to find itself shutting the doors and closing up shop due to litigation and financial awards paid to the injured.

As you can see from the study, even with martial arts that involve very little physical contact, such as Tai Chi, there is still a significant number of injuries. According to the study, students also tend to be at a higher rate of injury as their martial arts training progresses.

Martial Arts dojos can be sued for a variety of reasons, some of the most common include:

Personal injury: A student or visitor may sustain an injury during training or while on the premises of the dojo. For example, they may trip and fall on a poorly maintained floor, or suffer a sprain or strain during a sparring session.
Insurance coverage: General liability insurance can cover the costs of defending against a lawsuit and paying for any settlements or judgments.

Sexual harassment: If an instructor or other employee engages in inappropriate conduct of a sexual nature, such as making unwelcome advances or comments, they could be sued for sexual harassment.
Insurance coverage: Employment practices liability insurance (EPLI) can provide coverage for claims related to sexual harassment or other employment-related issues.

Discrimination: Dojos may be sued for discrimination based on age, gender, race, or other factors.
Insurance coverage: EPLI can also cover discrimination claims, as well as claims related to wrongful termination or retaliation.

Property damage: A student or visitor may damage the property of the dojo, such as breaking a piece of equipment or causing damage to the building.
Insurance coverage: Property damage liability insurance can cover the costs of repairing or replacing damaged property.

Breach of contract: If a dojo fails to deliver on promised services or breaches a contract with a student or other party, they could be sued for breach of contract.
Insurance coverage: Errors and omissions insurance (also known as professional liability insurance) can provide coverage for claims related to breach of contract or other professional errors or omissions.

In general, martial arts dojos can protect themselves from lawsuits by obtaining appropriate insurance coverage. It's important for dojo owners to work with a reputable insurance agent to identify potential risks and obtain the right types and amounts of coverage to protect their business. In the event of a lawsuit, insurance can help pay for legal fees, settlements, and judgments, which can be extremely costly and could put the dojo out of business if not adequately covered.