Martial Arts Insurance

Martial Arts Insurance

Defend and protect your martial arts business with a comprehensive insurance policy designed to address your specific needs.

Zensurance - Martial Arts Instructor

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Martial Arts Gym Owner

Insurance for martial arts schools

Sharing your in-depth knowledge of self-defence and the fighting arts is your commitment to your students. Whether your instruction is health- or defence-oriented, the disciplines and techniques you provide teaches your students to focus, inspires confidence, and improves their agility, flexibility, and strength.

However, martial arts instructors and studio owners face many liability risks, which calls for an insurance policy customized by a brokerage that understands the specialized training and services you offer.

Martial arts insurance is a customized policy consisting of several coverages that combine to provide you with comprehensive protection from the risk of third-party bodily injury or property damage claims and lawsuits. A tailored martial arts policy also provides you with coverage for loss or damage to your studio or school caused by fire, flood, extreme weather, theft, and vandalism.

A typical martial arts insurance policy contains several unique coverages, including:

  • Professional Liability Insurance: Also called errors and omissions (E&O) insurance, professional liability covers you for allegations of negligence, misconduct, mistakes, and failing to deliver a service as promised.
  • Commercial General Liability (CGL) Insurance: CGL protects you from third-party bodily injury or property damage claims or lawsuits resulting from your business’s activities, whether on your premises or at another location. For instance, if one of your students fractures an ankle while training in your studio, your CGL insurance is designed to pay for their medical expenses.
  • Commercial Property Insurance: Protecting your martial arts studio or school and the contents within it is a necessity. Commercial property insurance covers the cost of loss or damage to your physical structure and the contents inside it, including furnishings, fixtures, and electronics if damaged by fire, flood, a natural catastrophe, vandalism, or if burglarized.
  • Cyber Liability Insurance: Businesses of all sizes are responsible for safeguarding their customers’ personal and financial information, and no business is too small to be a cybercrime target. Cyber liability insurance provides you with financial support if you suffer a data breach or cyber-attack. It pays to repair and restore your software systems and data, legal advice, notification fees, and credit monitoring.
  • Event Liability Insurance: When hosting or organizing martial arts tournaments, competitions, and training seminars, it’s wise to include event liability insurance in your policy to cover third-party bodily injuries and third-party property damages that may occur, especially when hosting or participating in events at locations other than your premises. Event liability insurance covers third-party and participant injuries or damages to venues where the event takes place.

The cost to insure your martial arts school or studio will vary depending on the coverages you select. Insurance companies consider the following factors when determining what your policy will cost:

The services and training you provide

  • The location of your studio or school
  • How many students you have and their ages
  • How many employees you have
  • Your training and education
  • Your years of experience as a martial arts instructor
  • Your insurance claim history
  • Your annual and projected revenue

A wide range of martial arts experts and clubs require a martial arts liability insurance policy, including:

  • Aikido
  • Boxing instructors
  • Boxercise instructors
  • Brazilian jiu-jitsu
  • Judo instructors
  • Karate instructors
  • Kickboxing instructors
  • Krav Maga clubs
  • Kung fu
  • Mixed martial arts (MMA)
  • Muay Thai
  • Tae Kwon Do
  • Wrestling capoeira

Getting insured is quick and easy!

Complete our 5-minute online application for a free martial arts insurance quote.

Common claims scenarios

kickboxing training session

Problem: While two of your students spar as part of their training ahead of a competition, one of them loses their footing, falls, fractures a wrist, and requires medical attention.

Outcome: Your commercial general liability insurance may pay for the student’s medical expenses.

empty martial arts studio

Problem: Overnight your martial art school is broken into and vandalized by unknown intruders, causing significant damage to the walls, fixtures, and furniture.

Outcome: Your commercial property insurance may pay to repair the damages to the studio and fixtures and repair or replace the damaged furniture.

karate instructor training student

Problem: The parents of one of your students claim the karate techniques and training you gave their child were ineffective after they lost a provincial tournament. They sue you for failing to deliver a service as promised.

Outcome: Your professional liability insurance may pay for your legal fees and any compensatory award ordered by the court.

Frequently asked questions

I only teach martial arts part-time. Do I really need an insurance policy?

Yes, you do. Although it is a part-time job, you are still exposed to the possibility of being sued by one of your students. You should purchase professional liability insurance to protect yourself from allegations or legal action related to the services and advice you provide.

If the studio space I rent is broken into and vandalized, will my policy cover the cost to repair the damages?

Yes. The commercial property portion of your martial arts insurance policy is designed to cover you for damage or loss related to theft, vandalism, fire, flood, or the impacts of severe weather to the studio space you rent.

Am I covered if one of my students injures another student during a training session in my studio?

Yes. Your martial arts insurance policy includes commercial general liability and professional liability coverages. Combined, these coverages are designed to pay for injuries suffered by your students or visitors to your studio whether the injury occurs because of a lack of supervision or an accidental slip-and-fall.

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Don’t leave your martial arts business undefended and in a vulnerable position. Protect yourself with a customized martial arts insurance policy from Zensurance. 

Fill out an online application to get a free quote. Our licensed brokers will shop the market to find you the coverage you need at an affordable price.