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.

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, 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.

As a result, D.D. fractured the plaintiff’s leg, even though it should have been apparent he was hurting his partner, said the complaint.

The complaint alleges loud music inside the school distracted the defendant, and instructors didn’t supervise the boys properly.

The suit names the corporate name of the school, as a defendant, along with the workout partner through his mother.

The plaintiff seeks unspecified monetary damages.

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 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.

 

MATA Annual Martial Arts School Business Report 2018: Trump-onomics and Your Martial Arts School

MATA Annual Martial Arts School Business Report 2018: Trump-onomics and Your Martial Arts School

According to CNBC, under President Trump, “the economy has achieved feats most experts thought impossible. GDP is growing at a 3 percent-plus rate and the unemployment rate is near a 50-year low.”

In addition, his tax cuts should help martial arts schools that are set up as S-corporations or LLCs as you will see a significant corporate tax cut with the rate dropping from 35% to 21%.  Here is a calculator to see how it may affect your business.

Each year, we look at the number of martial arts schools listed on InfoUSA.com. Since we started this in 2013, we’ve seen a steady decline in the number of martial arts schools in the USA. This year, however, we’ve seen a modest increase.

2013: 20,234
2016: 15,896 – 4,338
2017: 14,901 – 995
2018: 15,157 + 256

What’s also very interesting is that, according to Sports and Fitness Insurance Corp (SFIC) National Accounts Director, Jennifer Urmston, applications for martial arts schools is steady but not growing while applications for self-defense schools has increased significantly. Specifically, request for coverage of active shooter training has created a new market.

In fact, last week, I was asked to submit a proposal to train a Jewish Family organization with 500 employees and 10 locations in active shooter response. The proposal was for nearly $20,000. Thank you COBRA-Defense!

So how was business in 2018? Please comment and share your experience.

Bully Victims Face Felony Charges in New Missouri Law

Bully Victims Face Felony Charges in New Missouri Law

There is a new law in Missouri that has moved what may have been misdemeanor assaults to felonies for kids. Students could face jail time if convicted.

A bully victim who defends himself and hurts the attacker with one well trained shot, could be facing four years in jail and massive legal fees.

What if a victim’s parents decides to sue the kids karate instructor for teaching that technique? Or, some other reason related to the incident?

If so, what kind of insurance for martial arts schools would cover such a claim?

This is very important information to get out to you martial arts instructors. It is going to be imperative for all martial arts teachers to make sure they carry Professional Liability Insurance to protect themselves from any claims that could arise from what they say and do teaching their students.

Martial arts instructors should document that their instruction is defensive in nature rather than offensive when working with kids. Teaching the character traits that are valued in traditional martial arts will continue to be a very important element of the curriculum for martial arts schools to help their students understand when and how to use their self-defense training.

All schools need to check that their insurance plan includes the Professional Liability. Individual teachers who do not own their own school but teach in other facilities need to make sure they have Professional Liability coverage that travels with them wherever they go.

Get your martial arts school insurance reviewed at http://MATAInsurance.com.

Get a great resource for teaching bully prevention seminars at http://AntiBullyPlan.com

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