Martial Arts Insurance

You Can't Own A Martial Arts Studio Without This

It goes without saying that just about any sport or discipline that involves aggressive physical contact will result in injuries. Many of the participants in martial arts training are children. This age group is particularly prone to injuries that can have life-long effects.  As a result, martial arts businesses and instructors have unique martial arts insurance needs. Effectively protecting your business and other assets from fires, theft, and lawsuits is critical.

Which 5 Disciplines Lead to Injury?

A study in Great Britain compared five disciplines to arrive at the percentage of participants who required some time off from training each year due to injury. If your facility engages in any of these, martial art insurance could provide the protection you need:

  • Tae kwon do: 59%
  • Aikido: 51%
  • Kung fu: 38%
  • Karate: 30%
  • Tai chi: 14%

Even tai chi training, with little of no physical contact involved, can be a significant source of student injury. The study further notes that as students progress, the rate of injury increases. These numbers should provide any training facility with motivation to look into martial arts liability insurance protection.

Any instructor who is a direct employee of the studio will be covered under the liability insurance for that facility. However, individual instructors can also be found personally liable for a number of reasons.

Types of Martial Arts Insurance

Whether you already have a martial arts studio, are expanding, or are opening a new one, insurance protection is the best way to protect yourself, your staff, and your equipment. The most common types of martial arts insurance include:

  • General liability: This provides the security of knowing that if one of your students is injured while on your premises, you are protected from the potentially excessive cost of a liability lawsuit. You can choose policy limits based on the size of your facility and number of participants.
  • Umbrella liability: Some martial arts studios like to carry additional liability protection that goes beyond the standard limits. It is very affordable and further reduces your exposure.
  • Workers compensation: Usually part of any business insurance package, this covers any medical expenses for your employees that are injured while engaged in the ordinary aspects of their job.
  • Property insurance: Provides coverage for the building and contents for a covered cause of loss usually stemming from fire or severe weather. Keep in mind that severe weather coverage often includes tornados, but rarely covers flooding.
  • Tournament coverage: This will cover your students or staff for on-premises and off-premises events that you sponsor or that are sponsored by another entity.

Every insurance company has different products and offers various limits for coverage.

Common Injuries Leading to Martial Arts Insurance Claims

Mixed martial arts insurance protects you, your company, and your family from the fallout that can be the result of any injury occurring within your facility. The most common ones involve:

  • Concussion
  • Head, eyes, ears, and nose
  • Neck
  • Extremities
  • Skin

Many of these injuries are simple and will heal properly on their own. Others are longer term and may require rehabilitation before the student can resume the activity. In the most extreme cases, permanent physical damage can produce a life-long physical problem.

It is important that you find coverage where the martial arts insurance cost does not become so burdensome that your company's future is at risk.

4 Steps to Reduce Martial Arts Injuries

There is no way to eliminate the incidence of injury from martial arts training. However, there are a number of common sense requirements that you should consider implementing within your training facility if you have not already done so:

  • Insist on a physical exam with a sports medicine doctor prior to student participation. The physician should be aware of the demands of each specific class.
  • Conduct training in accordance with recognized practices.
  • Warm up and cool down routines should be part of every class.
  • All protective gear should be up to current standards and use should be required, not optional.

It is best to consult with a physician who is certified to deal with sports medicine. These doctors are up-to-date on the most common injuries and can suggest proper steps to reduce them.

Martial Arts Insurance Solutions

Martial arts instructor insurance, karate insurance, or coverage on any other discipline is typically part of a well-conceived business insurance policy. Some companies have a great deal of experience writing martial arts liability insurance policies and others may not.

When you are shopping for insurance, keep an eye out for insurers who have high ratings with agencies like AM Best and Consumer Reports. You may also want to see what consumer reviews you can find on the internet, or ask colleagues about their experiences insuring martial arts companies. From there, make sure that your agent understands the kind of company you're running and the risks you face. Don't stop at the first agent you talk to - it's highly recommended that you check with at least 3 companies before you buy. This way you'll get a broader idea of the kinds of coverage that are available for your company and in your price range.


Now, who's ready to get their insurance problems solved?