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.

“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

“Getting feedback on video from Mr. Graden was eye-opening. It was really helpful.”

Richard Brugger, Martial Arts for Life

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Student Blinded by Injury Sues Instructor and Facility

Student Blinded by Injury Sues Instructor and Facility

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Get a Free Insurance Review for Your Martial Arts School

How to Reduce Your Insurance Cost in 2019

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

Avoiding Accidents

In order to avoid using your martial arts school insurance, you have to address the issue of accidents step-by-step, the first general issue to consider is avoiding accidents. No matter the present situation with documentation or martial arts insurance, if no accidents occur, then there will be no claims. There are three key areas to consider: 

1. Safety of the Training Area.

2. Safety of the Training Equipment.

3. Safety of the Training Techniques.

Safety of the Training Area 

The first thing to do is evaluate the safety of your training area. Any potential dangers need to be addressed. If there is a tear in the mat that could catch someone’s foot, then it should be taped down or the mat replaced. Look at your school from the standpoint of a nit-picking safety inspector. Do not dismiss things as “good enough,” since, in a court of law, “good enough” often isn’t. Carefully explore both the actual training area and the rest of your premises.

SOME COMMON TRAINING-AREA DANGERS

– Torn Mats.

 – Uneven Floor.

 – Protruding Objects (nails, splinters, etc.).

– Equipment Improperly Stored (stacked so it may fall over, weapons loosely mounted on a wall, equipment in training areas, etc.).

 – Sticky or Slick Areas on Hard Floor.

 – Chemicals (usually in restrooms, etc.).

 – Poorly Lit Areas (especially Training Areas).

Safety of the Training Equipment

The second area to carefully evaluate is the safety of your training equipment. If weapons have splinters, then they should be sanded down or replaced. If the grips on sai are coming loose, then they need to be secured. If a cord on nunchaku is frayed or there is a crack in the weapon, it must be replaced. Sharp weapons should be stored well out of the way of curious visitors or students. 

The standard here is the same. Look over every piece of equipment as though you were looking for an excuse to sue your own school.

Some common dangers:

– Splintering or Cracked Weapons.

 – Old Kicking Shields.

 – Stressed Chains on Heavy Bags.

 – Fraying Cord on Speed Bags.

 – Loose Grips on Weapons.

 – Worn Mats.

 – Sharp Weapons.

 – Nunchaku, Three-Section Staves, Eight-Section Whips, and other weapons with which the inexperienced can easily injure themselves.

If you find any potential dangers, address the problem as soon as time and money allow. Do not delay. Many problems can be partially addressed immediately, even if the problem cannot be completely resolved. If the nunchaku cord is frayed, get rid of them now. Even if you can’t replace them for a while, it is better to go without the weapon temporarily than risk serious injury or damage to the school. If the cord breaks during high-performance use, imagine the harm it can do if it struck someone.

If an accident happens today because of a problem you meant to fix tomorrow, you will feel like a fool. If you’ve never had an accident, then now is the time to take care of the problems. You do not want to wait until a student is injured before you try to make your school safe.

Safety of the Training Techniques

The third thing to look for in avoiding accidents is your actual training. Martial arts, by its very nature, bears an element of danger. Students will get minor injuries through the course of their training. The injuries might be as slight as a hyperextended joint or a strained muscle, or as serious as a concussion or fractured bone. 

Combat systems are especially prone to injuries, and training could not be made entirely safe without sacrificing the effectiveness of that training. The question to ask is this: Are there any unnecessary dangers in my training policies?

Some common dangers:

– Weapons Practice in or near traffic areas (a traffic area is not just a walkway, but anywhere that other students move through, even if they are training as well).

– Students wandering near or through other students’ practice areas.

 – Students holding kicking shields or heavy bags improperly (such as in front of the face, where they will hit themselves if their partner hits the shield hard.)

 – Students holding kicking shields or heavy bags for others who hit too hard for them.

 – Students training with sharp weapons without sufficient skill (even masters with decades of experience have nearly killed themselves practicing with combat-quality weapons).

 – Sparring with excessive contact (often as a result of students sparring at a speed too fast for their level of control or a match getting out of hand).

 – Sparring partners using techniques that cannot be safely performed in a sparring match (more than one full-speed MMA bout ended with a crippling injury because techniques were used that are difficult to control in a match).

 – Rolling or falling on a hard floor while learning how to fall (recommendation: use a mat to learn, then the hard floor once some proficiency is developed).

 – Wrist Locks, throws or self-defense skills practiced too hard (recommendation: practice very gently — even too gently — until you learn an individual training partner’s pain and injury thresholds).

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Martial Arts School Insurance: Questions to Ask a Provider

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

1.  Does the program’s General Liability policy include an exclusion for athletic participants? If so, it’s not the right program for martial arts school insurance.

2. Is Professional Liability included in the General Liability? It will cost more if you have to buy it separately and martial arts schools need both!

3. Is Sexual Abuse and Molestation coverage included? It is absolutely needed for martial arts school insurance. You may have to implement background checks on employees to qualify for the coverage, but that is very important and not expensive.

4. Can your martial arts school’s summer camps or after school programs be included in the General Liability coverage? You may need to complete a supplemental application but these extra programs need to be covered because they do bring more liability exposure to your school.

5. Have you discussed any other “special event” type coverage that your school might need prior to purchasing the insurance? Make sure you ask questions about your tournaments, exhibitions, demos and any off site activities before they take place. Always better to make sure you have martial arts school insurance coverage before an accident happens!

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