As an owner of a martial arts studio, you know there are risks and responsibilities associated. There are all kinds of reasons someone could sue a martial arts school. It could be an injury as a result of an accident, an insult introduced by inadvertent humor, or even a claim from a client that a martial arts instructor negatively impacted their health, or worse, acted in a sexually inappropriate manner with a child.
These are all things that you, as a studio owner, can’t really control. People will be people. But, you can protect your martial arts school from potential problems or even lawsuits. Think martial arts school insurance!
Recently, SFIC has partnered with the Martial Arts Teachers’ Association to help school owners understand exactly what they need. Insurance can be somewhat of a mystery as many business owners know they need it to satisfy loans and leases, but very often are not sure what and who it actually covers.
3 Quick Examples:
#1: You, as the studio owner, and your direct employees are covered under your liability insurance. The independent contractors who work at your facility are not covered under your policy. It is very important to verify that independent contractors carry their own professional liability insurance.
#2: Loose lips sink ships. As the business owner, you are responsible for what the instructors say to your students and their family members. An unsolicited remark at the school deemed inappropriate by a client may result in a sexual abuse lawsuit against your business. Or, perhaps an instructor gives nutritional advice to a student or family member that causes them to feel light-headed and faint. Ultimately, under the laws of fitness liability, you are responsible.
#3: Protect your staff. It’s not unusual for an instructor to get hurt while on the job. It is important to carry workers’ compensation insurance to cover wage replacement and medical benefits to injured employees.
The reality is, a lawsuit can be filed for anything, and a policy will be suspended even if the claim is frivolous. It is important to understand the details of your health club insurance. If you have questions, don’t hesitate to contact us!