Martial Arts Studio Insurance

Ideal Accounts and Appetite

This program is ideal for amateur-level martial arts training facilities, including those offering:

• Traditional martial arts (e.g., karate, taekwondo, judo)
• Boxing and wrestling classes (amateur only)
• Mixed martial arts schools with a focus on amateur instruction
• Self-defense and fitness-based martial arts programs

Typical clients include small to mid-sized studios with a focus on instruction, not professional competition. Facilities with clean loss histories and a commitment to student safety are preferred.

Coverage Highlights and Advantages

Commercial General Liability

• Primary Limits up to $3,000,000 Occurrence / Aggregate
• Hired and Non-owned Auto coverage
• Excess or Umbrella Limits available up to $25,000,000
• Included Coverages:
  • Errors and Omissions Coverage Part
  • Sexual and Physical Abuse Coverage – $50,000 per claim / $100,000 aggregate
  • Medical Payments – $5,000 Limit
  • Additional Interests – Blanket basis
  • No deductible required

Property Coverage

• Building and Business Personal Property
• Business Income and Extra Expense
• Computer Equipment
• Equipment Breakdown
• Outside Signs
• Accounts Receivable
• Valuable Papers
• Replacement Cost or Actual Cash Value (ACV)
• Basic, Broad, or Special Form

Crime Coverage

• Inside the Premises – Theft of Money and Securities
• Inside the Premises – Robbery or Safe Burglary of Other Property
• Outside the Premises

Underwriting Notes

This program is available through various carriers, and Colonial General can tailor solutions based on individual account characteristics. While there is no published minimum premium, submissions should include complete applications and detailed risk information to ensure accurate quoting. The program is designed for amateur-level operations only — professional fighting schools or facilities hosting sanctioned competitions are not eligible.

Territories and Availability

Colonial General’s Martial Arts Studio Insurance program is available in the following states:

• Arizona (AZ)
• California (CA)
• Colorado (CO)
• Idaho (ID)
• Nevada (NV)
• New Mexico (NM)
• Utah (UT)
• Wyoming (WY)

Some markets may be admitted depending on the state and specific exposure type.

Why Work With Colonial General?

As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General Insurance Agency, Inc. brings deep expertise and market access tailored to niche classes like martial arts facilities. Their underwriting team understands the unique exposures of training studios and offers responsive service, competitive pricing, and flexible coverage structures. Whether you're working with a startup dojo or an established multi-location studio, Colonial General offers solutions to help you protect your client’s business.

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.