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.

“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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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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Student Blinded by Injury Sues Instructor and Facility

Student Blinded by Injury Sues Instructor and Facility

A beginner student called by an instructor to participate in a sword demonstration instead got an accidental blade through the eye that pierced his skull and left him blind, paralyzed and brain-damaged, according to a $9 million lawsuit filed against the teacher and...

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A Lesson in Guns for Self-Defense

A Lesson in Guns for Self-Defense

https://vimeo.com/369583155 Live demo from COBRA-Defense Real Estate Agent Safety Seminar by Chris Sutton Here is a live demonstration of the realities of using a gun for self-defense. NOTE: The entire Real Estate Safety Seminar is available in the MATA Store. We see...

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How to Teach Sparring

How to Teach Sparring

This is a sample lesson from our MATA Certification Program. By John Graden From 1984 until about 1989, I was training three times a week in a dark, dirty boxing gym with retired world heavyweight kickboxing champion Joe Lewis. The only reason we would miss the...

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Summer Camp Insurance

It’s very important if you’re holding a summer camp, to reach out to your agent and make sure that your current insurance policy will cover the summer camp.

Your martial arts insurance agent needs to know how many students are going to come and how many hours of the day they are going to stay there. 

If you are taking them off property, you need to tell your insurance company. Make sure your liability waiver states clearly that might be taken outside of the school walls.  

Make sure the parents are signing off that they know their child is going to be off premises. 

When you do have kids for summer camp, make sure to always have two adults in your group of kids. This is important for protecting yourself from sexual abuse or molestation claim.  

If kids are changing clothes, make sure kids of the same age are in the dressing room, changing clothes, versus, kids that are significantly older. 

Make sure that again you are aware of the need to protect the children and supervise the children at all times. 

Also, make sure you’ve done background checks on any extra instructors that are going to be helping you out in the summer.

It’s very easy to perform background checks online these days. Check every volunteer over age 18 that are working with your kids, and that they haven’t had any priors for abusing children. 

Keep a copy in your file that you did everything you could ahead of time to protect your students.

Many martial arts schools experience far more claims related to bodies of water than anything else. Most insurance policies do exclude communicable disease, so that’s something important to be made aware of in your waiver, that you’re telling the parents that the kids are going to be outside.  

Your liability is that you are prepared to administer first aid and that you are prepared to get that child safely the care that they need. 

Make sure your instructors have been trained in first aid and in CPR. Have an emergency plan if you’re taking kids off-site, how you are going to get them to the emergency room, if they fall and break something or if they get bitten by a snake, etc. 

Make sure whatever pool or a body of water you bring them to, has expert lifeguards there, and are trained to administer CPR. 

Summer camps can generate great revenue for your facility, expose new people to your facility, and get more students in the fall. Always be cautious and make sure you have spoken to your insurance carrier. 

Write down all the activities that they are going to do and disclose that to the insurance carrier and the parents.

If you’re going to make thirty or forty thousand dollars over the course of a summer camp and there is going to be an additional premium for two or three hundred dollars, it’s worth it to make sure you have coverage, for all these things that you want to do with kids that aren’t familiar with your normal business.  

Don’t take that liability on yourself. Communicate it to your insurance carrier and make sure they are covering you for those summer camps because they are an outstanding way to grow your business.

Summer camps are great for the kids, it’s great for the parents, it’s great for the business. Just do your homework ahead of time to know what you’re doing and communicate it to the parents and the insurance company.

Insurance for Your Summer Camp.

Summer time is coming and most martial arts schools do summer camps for roughly a four or six week period where the kids come to the school and do stuff throughout the day. It usually consists of a combination of their current students and a lot of students that don’t belong to the school’s current roster, in hopes that they’ll enroll after the experience.

However, as always there are liabilities involved.

It’s very important if you’re holding a summer camp, to reach out to your agent and make sure that your current insurance policy will cover the summer camp.

READ MORE: 3 Types of Liability Insurance

Your martial arts insurance agent needs to know how many students are going to come and how many hours of the day they are going to stay there. If you are taking them off property and going outside or going to a park or doing any kind of activity that’s away from your premises, not only do you need to tell your insurance company but that needs to be part of the liability waiver that your parent’s sign for those kids.

Make sure it’s very clear that they’re going to be outdoors, or they’re going to be at a park, etc. If you’re taking them somewhere and that that language is included in the waiver, make sure the parents are signing off that they know their child’s going to be off premises and doing other things.

Always be aware that you’re going to be having participants who are not your normal students, as these students are not as familiar with your marital arts teaching itself. Make sure that these new participants are very comfortable with the activities, before they do anything advanced.

When you do have kids there for summer camp, make sure to always have two adults in your group of kids. This is important for protecting yourself from a sexual abuse or molestation claim.

If kids are changing clothes, make sure kids of the same age are in the dressing room, changing clothes, versus, kids that are significantly older. Make sure that again you are aware of the need to protect the children and supervise the children at all times. Also make sure you’ve done background checks on any extra instructors that are going to be helping you out in the summer.

It’s very easy to perform background checks online these days. Check every volunteer over eighteen years old that are working with your kids, and that they haven’t had any priors for abusing children. Keep a copy in your file that you did everything you could ahead of time to protect your students.

Many martial arts schools experience far more claims related to bodies of water than anything else. Most insurance policies do exclude communicable disease, so that’s something important to be made aware of in your waiver, that you’re telling the parents that the kids are going to be outside.

Your liability is that you are prepared to administer first aid, and that you are prepared to get that child safely the care that they need.

Make sure your instructors have been trained in first aid and in CPR. Have an emergency plan if you’re taking kids off site, how you are going to get them to the emergency room, if they fall and break something or if they get bitten by a snake, etc. Make sure whatever pool or a body of water you bring them to, has expert lifeguards there, and are trained to administer CPR.

Summer camps can generate great revenue for your facility, expose new people to your facility, and get more students in the fall. It’s great, but always be cautious and make sure you have spoken to your insurance carrier. Write down all the activities that they are going to do and disclose that to the insurance carrier and the parents.

If you’re going to make thirty or forty thousand dollars over the course of a summer camp and there is going to be an additional premium for two or three hundred dollars, it’s worth it to make sure you have coverage, for all these things that you want to do with kids that aren’t familiar with your normal business.

Don’t take that liability on yourself. Communicate it to your insurance carrier and make sure they are covering you for those summer camps because they are an outstanding way to grow your business.

Summer camps are great for the kids, it’s great for the parents, it’s great for the business. Just do your homework ahead of time to know what you’re doing and communicate it to the parents and the insurance company.

Holiday Parties and Camps Insurance

With the holidays two different things come to mind for me, first of all you could have kids out of school coming in and spending time in your martial arts facility with some special holiday day camps or special programs. You want to make sure that you communicated to your insurance agent that you have a martial arts day camp or a week long camp going on while the kids are out of school and make sure that any new students are in your student count so that you’re covered.

Read more: New Year Insurance Checklist

Whenever you’re doing an event or any kind of special anything, it’s a good idea to give your agent a call just to make sure you’re covered. That’s unless you did it the previous year and it’s already included in there. It’s a great opportunity for you to get new members to your ongoing classes to advertise – ‘hey! The kids are out of school these two weeks, we’re offering these three or four day camps, let your kids come and spend the day with us and try out our programs or learn from other kids that are there.’ It’s a great opportunity for the school to make more revenue, but anytime you do something that’s special that’s with folks who are not your normal members, you want to make sure that you’ve communicated that to your insurance agent.

If you’re just going to have a Christmas party for your own members, this is not something that you need to worry about communicating to your agent, because those are your regular members coming in. If, however, you were planning to serve any kind of alcoholic beverages then you’d want to communicate with your agent and make sure you have coverage for host liquor on your policy.

As the weather starts to get bad in some parts of the country around winter time and you have snow and ice, you will want to make sure that’s been cleared off your sidewalks and out of your parking lot. Make the extra phone call to you landlord if necessary because you don’t want your members tripping and falling.

Most martial arts schools and studios are required to provide their landlord with a certificate of insurance, so that they’re responsible for their own members walking on those sidewalks. You may not be responsible for clearing the ice and snow yourself, which means it’s probably up to the landlord.

On a Commercial General Liability Policy tailored for your martial arts school or your martial arts studio, your coverage is much, much broader than what would be provided under Public Liability that your landlord may have for people coming and going from a facility. That’s just with the understanding that your landlord hasn’t required you, as part of signing the lease to provide proof of your insurance for him.

If you are new to the business and your landlord hasn’t required you to get the insurance, or you don’t have any insurance, the limit to that Public Liability Insurance is probably ‘slipping and falling on the premises’, ‘tripping over the door entry’, ‘a hole in the parking lot’, etc. It’s not going to have any coverage for you professionally as a martial artist in what you’re teaching your students.

It wouldn’t have any coverage for the personal injury that your students could claim, or any advertising injury that your students could claim, or any sexual abuse or molestation that your students can claim. It’s not a good idea at all to rely on the public liability insurance of a landlord.

Some General Liability policies will have host liquor included. This means you’re serving it at a party or someone’s bringing their own, but you’re not selling it. What you have to do is make sure your General Liability Policy includes host liquor. This is why it’s worth a phone call before the Christmas party to your insurance agent, if you haven’t already checked on that before, because it’s not a given that it will be on there.

Please check out our insurance page at http://www.sportsfitness.com/mata and visit Sports and Fitness Insurance Corporation.

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