Martial Arts Insurance

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

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Zensurance - Martial Arts Instructor

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Insurance for martial arts professionals

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.

What is martial arts insurance?

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.

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What does it cover?

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.

Speak to a licensed Zensurance broker about other coverages you may wish to include in your policy, as well as the terms, limits, and exclusions of your policy.

How much does it cost?

The cost of your martial arts liability insurance policy varies by insurer and 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
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Who needs it?

A wide range of martial arts experts and clubs require a martial arts 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

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