Sports & Fitness Insurance Corp. offers a tailored commercial liability program specifically designed for martial arts instructors, schools, and studios. This program addresses the unique risks associated with martial arts training and competition, providing key liability protections for instructors, facility owners, and other industry professionals.
Ideal Accounts and Appetite
This program is designed for most styles of martial arts, including but not limited to karate, taekwondo, jiu-jitsu, kung fu, and others. Whether your client operates a small local dojo or a larger martial arts academy, Sports & Fitness Insurance Corp. has the experience and market access to help you secure suitable coverage. Tournament coverage is available by endorsement and is ideal for clients who host or participate in competitions.
Coverage Highlights and Advantages
The commercial liability policy is written on an occurrence basis and includes both premises liability and professional liability. Coverage limits are available at $500,000 or $1,000,000 per accident, with no shared aggregate. Policies are underwritten to reflect the unique exposures of martial arts schools, including student injuries and third-party property damage during training or events.
Tournament coverage can be added for an additional premium. Each event is individually rated and endorsed onto the policy. To be eligible, insureds must require the use of appropriate protective gear during all competitions.
Underwriting Notes and Minimum Premiums
Policies are available through various carriers, and all underwriting is handled by Sports & Fitness Insurance Corp., a leading Managing General Agency in the fitness and sports space. Minimum premiums vary depending on the size and scope of the operation. Applications can be submitted using the form available at this link.
Territories and Availability
This program is available in all 50 states and the District of Columbia. Coverage is offered on an admitted basis where available. Sports & Fitness Insurance Corp. maintains strong relationships with multiple carriers to provide flexible options across the country.
Why Work With Sports & Fitness Insurance Corp.?
With a deep focus on the sports and fitness industries, Sports & Fitness Insurance Corp. brings niche expertise to each account. Their team understands the day-to-day operations and liabilities of martial arts organizations, making them a trusted partner for agents seeking specialized coverage options. Whether your client runs a traditional studio or a mixed-discipline facility, this program provides the targeted protection they need.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Martial arts schools, studios, instructors, and training facilities across most disciplines are ideal candidates.
Is tournament coverage included in the base policy?
No, tournament coverage is available by endorsement for an additional premium and must be rated individually per event.
Does the policy cover both premises and professional liability?
Yes, the program includes premises liability and professional liability, including third-party property damage.
Are there any protective gear requirements for insureds?
Yes, proper protective gear must be used during competitions to be eligible for tournament coverage.
In which states is this program available?
This program is available in all 50 states and the District of Columbia.
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