Insurance for Martial Arts Schools

Martial Arts School Insurance

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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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Online Training and Your Insurance

From Jennifer Urmston of Sports Fitness Insurance Corporation (SFIC). The insurance ramifications for online teaching are primarily related to Professional Liability coverage. Any martial arts school wishing to launch online class options should verify with their...

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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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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.

What Every Owner Must Know About Insurance for Martial Arts Schools

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

By Jennifer Urmston Lowe, National Account Manager, Sports & Fitness Insurance

It seems we're always seeing news headlines of child molestations, guest instructor negligence, and even murder in the martial arts. Though each incident carries potentially millions of dollars in liability, in many cases, the owner was not present when the incident happened yet he or she could lose everything personally and professionally without solid insurance coverage.

What Kind of Martial Arts School Insurance Coverage Do I Need?

What kind of insurance you'll need will depend on what you do. If you have a children's based school with little no contact, you requirements would significantly different than an MMA school with a cage and lots of sparring.

A good place to start is understanding the different claims you can be liable for. The first distinction is whether the claim is personal or property related.  It is critical that Martial Arts School owners protect themselves with appropriate and sufficient insurance.

Liability Claims

Liability claims can come from injuries to students or sexual assault and abuse claims made by minors and adult students alike.

Property Claims

Property claims can come from fire or lightning or a car driving through the glass front of a martial arts school. All of these claims and more can lead to lawsuits or repair bills that can destroy a business. 

General Liability Insurance (Must Have!)

All Martial Arts Schools should carry General Liability insurance that includes Professional Liability coverage to protect themselves from claims including lawsuits.

Premises Liability Claims range from simple slip and fall injuries to minor or more severe injuries. All martial arts schools have premises exposures related to students and guests coming into their owned or leased space. This includes walking through the parking lot, over the sidewalk, across the threshold, into the dojo, as well as, participation in classes, belt testing, and competitions.

Professional Liability Coverage protects the owners and employees of the martial arts school from claims related to the instruction that they do or do not provide to their students or guests.

Products And Completed Operations coverage protects the school from claims related to items that they sell.

Personal and Advertising Injury coverage protects the school from claims related to use of trademarked or personal information or photos in verbal, print or electronic media.

Sexual Abuse and Molestation coverage protects a martial school from losses related to physical and verbal acts of abuse and can be claimed by minors and adults alike.

Hired and NonOwned Auto coverage provides coverage for the school when an employee uses a personal or hired vehicle in the course of the school’s operation.

Standard Liability Insurance Limits 

Standard liability limits for martial arts schools in today’s world are one of the following: $1,000,000 per occurrence (single claim) and either $2,000,000 or $3,000,000 annual aggregate (total of all claims in a given year) or $2,000,000 per occurrence and $4,000,000 aggregate. Higher limits are available through purchasing an Umbrella or Excess Liability policy.

When a school leases their space, the landlord typically requires a certain liability limit per occurrence that the tenant must meet or negotiate. The lease generally determined the liability limit of coverage selected. The individual assets of the martial school and owner(s) should also be considered when selecting sufficient liability limits.

Martial Arts Schools Need Property Insurance

Nearly all martial arts schools have some equipment and other contents that need to be insured under a Commercial Property insurance policy.

When you are renting, any tenant’s improvements such as HVAC, mirrors, glass and sign coverage are typically insured by the tenant and should be included in the school’s Commercial Property policy’s limits as well.

Coverage for Loss of Income, also called Business Income replaces lost income when a school suffers a covered property loss and has to be fully or partially closed during the period of restoration.

It is common practice for a leased school to purchase three to four months of business income coverage.

Workers Compensation Insurance 

Any martial arts school with regularly employed full-time or part-time staff will also be required to carry Worker’s Compensation Insurance in most states. Annual payroll is used to calculate Workers Comp premiums.

A business can be fined by the State for not carrying mandatory workers compensation insurance. Worker’s compensation pays medical bills and lost work time for employees and contractors injured on the job and is important protection for all martial arts schools with staff other than the owner(s). Owners and officers are not required to pay workers comp premiums on their own payroll in most states.

Individual Martial Arts and Self Defense Instructors

Martial Arts and Self Defense Instructors teaching seminars and classes can purchase individual Professional Liability policies that cover them if they work as independent contractors in other people’s schools or facilities.

Individual Instructors should request the same liability limits as the facility where they are working.

A Martial Arts school should require all of their independent contractors to show proof of this coverage before allowing the contractor to work inside their facility.

Direct employees are covered under the facility’s General Liability policy for their professional liability exposure but independent contractors are usually not covered.

What To Do Right Now

Review your insurance exposures and coverage each year and never let the school’s insurance lapse. It is also very important to work with an insurance provider who has an understanding of martial arts, as well as, the specific operation and needs of a school.

Sports and Fitness Insurance Corporation is the Official Insurance Provider for the Martial Arts Teachers’ Association.

SportsFitness.com or 888-844-0536

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