Enrolling in a martial arts class, such as Judo, Aikido, and Tae Kwon Do, helps build self-confidence, improves physical strength and fitness, and allows you to learn useful self-defense maneuvers. This discipline or sport, however, involves intense physical contact. Participants who execute a technique incorrectly may get into an accident and sustain bodily injury. Martial arts school or studio owners, therefore, run the likelihood of personal exposure to a lawsuit through the liability or injury claim of a student.
Keep your martial arts business protected by getting liability insurance from Martial Arts Group Insurance. Following the Federal Liability Risk Retention Act of 1986, we provide this coverage through The Sports and Recreation Providers Purchasing Group. We cover up to $1 million per occurrence.
This coverage safeguards martial arts business owners, teachers, and employees against a number of claims, including:
- Physical injury or death of the participant, spectator, or volunteer
- Destruction of facility equipment
- General negligence
- Defense fees against lawsuits
- Non-profit host liquor coverage
Optional Coverage You May Add in Our Liability Insurance
You may tailor your liability insurance policy to your needs by including one or more of the following:
This coverage shoulders the cost of the medical bills of an injured employee, instructor, or student. The maximum medical benefit for this coverage is $100,000. This amount pays for the following necessary medical services and treatments:
- Ambulance services from the accident scene to the nearest medical care facility
- Hospital care and service
- Medicines prescribed by the doctor
- Physician-provided surgical and medical care
- Oral treatment of natural teeth
- Orthopedic appliances to accelerate the healing process
If you have an upcoming tournament or similar event in your school, you may purchase this coverage to account for the risk of spectator or participant injury.
Separate Medical Expense Benefit Amounting to $5,000
This coverage reimburses an injured guest or spectator for medical expenses (and funeral costs, if applicable) incurred due to physical injury. We pay the amount regardless of whether or not you were liable for bodily harm.
Independent Contractors Coverage
If you invited martial arts instructors to your studio or school, you may add them as an “additional insured” while they’re teaching your students.
Higher Aggregate Coverage
You may choose to bump up the standard $1 million liability coverage limit to a higher amount.
Automobile Liability Coverage
Protect non-owned vehicles used for your martial arts studio or school by signing up for this coverage.
Why Purchase a Comprehensive Liability Insurance Policy from Us
We deliver top-notch service to our valued clients. Our customer care representatives listen to your insurance concerns and recommend products and coverage ideal for your situation.
Our experience as an insurance provider also gives us an edge over other competitors in our area. We’ve been in business since 1990. During this period, we’ve provided insurance coverage to more than 10,000 martial arts schools.