Professional Liability 

• Protects your school from claims related to the instruction that you provide (or don’t provide) for your students.  Receive maximum protection for the primary service you deliver.
• $2,000,000* Each Occurrence, Includes Professional Liability

Premises Liability

• Protects you from claims resulting from your school rather than your actions or inactions.  These can be simple slip and fall to possibly more severe injuries resulting from use (or misuse) of equipment or participation in activities.
• $4,000,000* General Aggregate

Products and Completed Operations

• This coverage protects you from claims related to items you sell.  Many schools sell heavy bags, sparring gear, mats, and pads.
• $4,000,000* Products & Completed Operations Limit

Personal Injury

• Personal injury coverage protects you from claims of defamation – libel, slander, or inadvertent invasion of privacy.
• $2,000,000* Personal Injury Limit

* Lower limits available for each

Advertising Injury

• Providing coverage that protects you and your school from claims related to use or misuse of personal information or photos in verbal, print, or electronic media.
• $2,000,000* Advertising Injury Limit

Abuse or Molestation

• Protects and defends against allegations of sexual misconduct, be it verbal or physical.  Martial arts instructors can be especially vulnerable to this situation due to the physical nature of instruction.
• $1,000,000* Abuse or Molesation Defense Cost – per occurrence

Limited Cyber Liability

• Provides Personal and Advertising Injury coverage for incidents that result from an unauthorized person hacking into your computer network or website.

Medical Payments

• Reimburses a third party, such as a hospital or doctor for medical expenses (up to $10,000) incurred due to bodily injury, including athletic participants.
• This is voluntary, no-fault coverage to pay medical bills.