Insurance for Martial Arts Schools

Martial Arts School Insurance

Customized plans, discounted pricing & dedicated customer service!
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The Best Insurance for Martial Arts Schools

SFIC offers best rates and the best coverage. Designed specifically for martial arts schools including:

  • Traditional Martial Arts Styles with Light Strikes and Holds
  • Non-contact Kickboxing or Cardio Kickboxing
  • Non-contact Boxing
  • Boxing & Kickboxing Aerobics
  • Weapons Training with Fake or Padded Weapons

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Wherever You Are – You’re Covered

Coverage through AFS/SFIC follows you wherever you work in the US! Whether you operate out of a single club, multiple clubs or even at a public facility such as a local park or activity center, we’ve got you covered.

Same Day Coverage

Your application can be filled out online and coverage provided the same day!

Home 2020

Grow Your Martial Arts School

Since 1993, MATA has been the must-have membership for martial arts school owners. Get all the tools, connections, and answers you need to succeed.

The Martial Arts “Teacher of Teachers”

“On his path of inspiration, motivation, and unparalleled success, John Graden has had a profound impact on the manner in which thousands of martial arts are operated worldwide.” — Martial Arts World magazine

WHO ARE MATA MEMBERS?

Black belts working hard to create a great living for their families so they can focus on their passion for changing lives through their schools.

Earn more income

Learn how to create the revenue that you deserve for your hard work and the life-long benefits you provide your students.

Enroll more students

We’ll show you the programs to offer to move a stranger to a student and a student to a black belt and staff instructors.

Become the "go to" school

Learn how to become the school people think of and talk about when “martial arts” are mentioned in your town or area.

Recent MATA Certification Graduates

The MATA Instructor Certification Program provides teachers an effective process
to create and maintain a productive classroom environment.

“MATA is a professional and quality organization. I wanted my Instructors and myself to be certified by the best.”

— Sidney Burns, Blue Ridge Martial Arts

I am continually looking for ways to improve my teaching knowledge and the MATA Instructor’s Certification is one of the finest and most updated courses an instructor can take.

I was impressed by the honesty of the content and detailed explanations of the various issues surrounding the teaching of Martial Arts these days.

Sidney Burns, Blue Ridge Martial Arts Academy

LATEST NEWS AND TRENDS

The Coronavirus and Your Martial Arts Insurance

Understanding Your Insurance Coverage From Jennifer Urmston of Sports & Fitness Insurance Corporation “It is important to remember that viruses are excluded from standard Commercial General Liability insurance policies. This means that insurance companies will...

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Tips for Your Your Online Martial Arts Class

Teaching your classes via Zoom in an empty room to students in their living room creates multiple layers of difficulty. Here are some tips to help you create a more enjoyable experience for your students. Self-Defense: Since students can't partner off, focus on...

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The Coronavirus and Your Martial Arts Insurance

Understanding Your Insurance Coverage From Jennifer Urmston of Sports & Fitness Insurance Corporation “It is important to remember that viruses are excluded from standard Commercial General Liability insurance policies. This means that insurance companies will...

read more
Father Sues Karate School

Father Sues Karate School

STATEN ISLAND, N.Y. - A father alleges his son's leg was broken in a karate class in Feb. 2018 is suing the school. A father sued the school and his son's training partner, alleging they "negligently" caused his son's injury. The suit, filed in state Supreme Court,...

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The Best Liability Defense is Having a Good Defense Ready

The best defense is having a good defense ready. If an attorney has to contact you to find out what happened in an accident eight months ago, and you are vague because you can’t quite remember, that won’t help your case much. If the attorney asks who else saw it, and you don’t know, and if the attorney needs to know what was done at the scene, and you don’t recall, then your case will be very difficult to prove. 

The other side may have medical records, statements taken immediately following the accident, and pictures of the injury. You need to have your evidence as well. For most minor incidents — bumps and bruises — such detail will be unnecessary. When something serious happens, then you should put together a complete file on the incident. 

Consider yourself your own private investigator. Be careful to collect only “objective” facts, though. That means treating facts without distortion by personal feelings or prejudices. You don’t want to be accused of using your position as the instructor to badger your students into lying, embellishing or shading the facts.

Take note of what happened, who was around, what was done about it and by whom, and an account of the events and possible contributing causes. This will serve as a reminder to you since memory can be inexact. It may be months before you have to give a “deposition” (testimony), and years may go by before a trial. If you rely on your ability to remember a two-year-old event, then you can expect to be expertly tripped up by a skilled attorney on cross-examination.

If you have a good martial arts insurance policy, then your insurance company should take care of your legal defense. If you do not have martial arts school insurance, then you should already have an attorney in mind to work on any case you might have. It might be a student, or a parent of a student, who understands martial arts and has some experience litigating. 

Once you receive a lawsuit, your attorney typically has 30 days to file papers with the Court. If you spend 20 of those 30 days hunting for a decent attorney, then your attorney does not have adequate time to prepare your defense. 

At times, attorney’s have received case files the day before paperwork is due, and they have to rush on paperwork that can determine if you win or lose your case. Cases have practically been forced to settle for more money than the case was worth because the attorney wasn’t given the Summons and Complaint in time to prepare the necessary paperwork.

How to Choose a Martial Arts Insurance Company

See our comprehensive library of Martial Arts School Insurance Information and Interviews.

When shopping for martial arts insurance, ask the following questions:

  • What is the annual premium?  If you teach part time, find out if there are part time premium rates.
  • If you own a martial arts studio, does the policy cover the entire studio or just you as a martial arts teacher?
  • Does the policy cover martial arts teachers-in-training such as Leadership Team members?
  • Does the policy cover your employees?
  • Does the policy cover independent contractors working at your martial arts studio?
  • What is the maximum amount of coverage per claim?
  • What is aggregate annual claim coverage?
  • Are you, as a martial arts teacher, covered outside the country where you teach?  This could be relevant if you teach seminars or at a conference, etc.
  • Is there a maximum number of students per class that you can teach?  If so, how many and can you get additional coverage (if you class size exceeds the stipulated number of students)
  • Does the martial arts insurance policy cover your style of martial arts?  What if you host an event at your studio where other types of martial arts are practiced?  Be very specific about this inquiry.  Sometimes, aerial, tricking, and acrobatic martial arts styles are excluded.  The point is to ensure all your services and classes are covered.
  • Is the use of martial arts equipment covered?
  • Specifically, does the martial arts insurance policy cover:
    • Professional liability?
    • Advertising liability (libel, slander, copyright infringement, etc.)?
    • Personal injury liability?
    • Product liability?
    • Premises liability?
    • Property damage?
    • Sexual harassment / abuse / assault (if covered, usually coverage amounts are lower).
  • What is the deductible amount, if any?
  • Does the martial arts insurance policy include payment for legal fees if a lawsuit ensues?
  • How soon must you report a claim?  Know the answer because some insurance policies may breach you and therefore not cover you if you delay too long in reporting a claim.  Typically you must report as soon as you suspect there may be a claim.
  • Are there any notable exclusions?  Read the exclusions section of the policy carefully.
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