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 most likely not pay members for claiming they contracted a virus at your school.

It is very difficult to track where a virus comes from, so it would be difficult to prove that someone caught a cold or the flu or the coronavirus from their martial arts school.

However, a martial arts school should still focus on cleanliness at all times to protect themselves from a claim of negligence.

At this time with the Covid-19 Coronavirus crisis, we recommend following the guidelines of your local health department and the CDC.

All third party claims of any type of injury including from a virus should be turned in to the school’s General Liability carrier for a claims adjuster to respond.

Viruses are also not a covered cause of loss under a standard Commercial Property Insurance policy.

A covered cause of loss is required in order to trigger Business Income Coverage on a Commercial Property policy.

Business Income coverage replaces loss of income sustained during a period of restoration, following a covered property loss.”

This is usually when a building is being repaired after physical damage has occurred.

Therefore, a school will not necessarily be eligible for business income-related insurance coverage even if that school experiences reduced business because students are fearful of contracting a virus.

Jennifer Urmston Lowe goes on to say, “Standard Commercial Property policies include an Exclusion for Virus and Bacteria that applies to Business Income and Civil Authority coverage. We recommend, however, that all business owners review their own specific policy language and file a claim with their carrier if they feel that they have coverage.

It is vitally important to maintain the power, lighting and security systems for your martial arts school at all times.

Your premises can have water damage, fire damage or vandalism and other physical damage during a slow down or shut down.

Finally, we strongly recommend that business owners do not let their insurance lapse at this time because these types of claims could be expensive and threaten the long term viability of the business.”

We have spent the week working with Liberty Mutual to help our staff answer coverage questions and recommend appropriate resources related to the Coronavirus.

Centers for Disease Control and Prevention (CDC). www.coronavirus.org.

CDC. Coronavirus Disease 2019 (COVID-19): How COVID-19 spreads.

CDC. Coronavirus Disease 2019 (COVID-19): Steps to prevent illness.

CDC. Coronavirus Disease 2019 (COVID-19): Stigma and resilience.

CDC. Coronavirus Disease 2019 (COVID-19): Information for travel.

CDC. Coronavirus Disease 2019 (COVID-19): People at risk for serious illness from COVID-19.

Environmental Protection Agency. EPA’s registered antimicrobial products for use against novel coronavirus SARS-CoV-2, the cause of COVID-19.

Examine.com. Summary of Coronavirus disease 2019 (COVID-19).

McKinsey & Company: COVID-19: Implications for business.

U.S. Department of Homeland Security.  Pandemic readiness.

US Department of State. Travel advisories.

World Health Organization. COVID-2019 Daily situation reports.

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

.

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.

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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, St. George, seeks unspecified monetary damages.

According to a civil complaint, the plaintiff, a resident listed as “K.B.,” was practicing with another student identified only as “D.D.”

The complaint contends the plaintiff asked the other boy to “stop using a karate move,” but D.D. failed to listen to or hear him.

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Related articles

Read What May and May NOT be Covered by Insurance.

Can Insurance Save You From This?

What Your Must Know About Insurance for a Martial Arts School

How to Reduce Damages in a Lawsuit Defense

End of the Year To-Dos for Your Martial Arts Website

Here are some last-minute 2018 to-dos.

  1. Check your website’s SSL status. SSL give visitors confidence that your site can be trusted.
    You can check it here. https://www.digicert.com/help/
  2. You can renew it here: https://pxlme.me/mifIY0xW
  3. Claim and optimize your Google My Business site. This is SUPER IMPORTANT! Go to Google.com/business
  4. Find out if you are in the Google 3-pack. (Google lists local searches with a featured 3-pack. These are displayed after paid ads and before organic results. This is the MOST VALUABLE real estate on a local search)

          a. Open a private or incognito browser window.

          b. Google “Martial arts in your town.”

          c. See if you’re in the 3 pack.

If you need help with any of these projects MATA can help. Our MATA websites are beautiful and professional looking. They make a great impression.

MartialArtsWebsites.com

Our SEO plans are customizable and can be found here. https://pxlme.me/InSO5PGC

Our Google My Business set up and optimization is here: https://pxlme.me/91UN0KmS