5 Reasons You Must Carry Martial Arts Instructor Insurance

Obtaining martial arts instructor insurance may be just as important as building your classes and winning tournaments. Why? As with any sports and fitness-based business, you run the risk of participants getting injured or damaging the equipment on your premises. A comprehensive insurance policy is even more important for martial arts instructors because your clients are making physical and often, high-impact contact with each other. This may increase the chances that someone could get hurt.

Here are 5 good reasons why every martial arts school and instructor should carry liability insurance:

• Any contact sport carries a risk of injury?martial arts involves both punching and kicking your opponent, which increases the risk
• Adds credibility to your business?lets clients know that you are serious about teaching in a safe and professional environment
• Protects you against being held liable for damage to the property or equipment
• Covers you from being held personally responsible for claims or statements made about your services
• Can be used for numerous types of martial arts tactics including Akido, Judo, Brazilian jiu jitsu, Capoeira, Chi kun, Gojo-ryu, Jujitsu, karate, Kenjitsu, Krav maga, Kung fu, and more

Martial arts instructors should seek coverage from an underwriter who not only knows insurance but also the business of martial arts. Since 1985, Sports and Fitness Insurance Corporation has provided comprehensive coverage to martial arts instructors in all 50 states. Our martial arts instructor insurance will keep you sparring in the ring and out of your attorney’s office!

Download an application for martial arts instructor insurance coverage or call Sports and Fitness Insurance Corporation at 800-844-0536.

What Should Martial Arts Instructor Insurance Provide?

Comprehensive martial arts instructor insurance coverage should provide you with options based on your individual needs. A good policy should include:

• Liability limits: coverage including general aggregate, personal/advertising injury, legal liability to participants, damage to premises rented by the instructor and medical expenses (other than participant)
• General liability and medical expense premiums: select a specific plan based on the rate per student at peak point of annual enrolment
• Medical payment limits: coverage that is provided on an excess basis, beyond all other medical coverage that may be applied by the participant
• Optional coverages: including abuse and molestation, subsidiary activities and parties and events

To learn more about martial arts instructor insurance coverage call Sports and Fitness Insurance Corporation today at 800-844-0536.

THE MATERIAL HEREIN IS PROVIDED FOR INFORMATIONAL PURPOSES AND IS NOT INTENDED TO BE A REPRESENTATION OF COVERAGE THAT MAY EXIST IN ANY PARTICULAR SITUATION UNDER A POLICY ISSUED THROUGH SPORTS & FITNESS OR ITS AFFILIATES. ALL CONDITIONS OF COVERAGE, TERMS AND LIMITATIONS ARE DEFINED AND PROVIDED FOR IN THE POLICY ISSUED TO YOU. PROGRAMS AND PRODUCTS MAY NOT BE AVAILABLE IN ALL STATES AND POLICY FEATURES MAY VARY BY STATE OR OTHER CIRCUMSTANCES.