https://completemarkets.com/company/colonialgeneral/Martial-Arts-Studio-Insurance/
Policy Highlights for Martial Arts Studio Insurance:
Colonial General Insurance Agency, Inc. offers a specialized insurance program tailored for martial arts studios, including those offering training in boxing and wrestling (amateur only). Whether your client operates a small neighborhood dojo or a multi-discipline martial arts center, this program provides flexible coverage options designed to meet the unique risks associated with martial arts instruction and operations. Coverage is available on a monoline or package basis, allowing you to customize policies to fit your client’s specific needs.
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
What types of accounts are a good fit for this program?This program is best suited for amateur-level martial arts studios, including those offering boxing, wrestling, karate, and self-defense training. Competitive or professional-level operations are not eligible.
Is coverage available for both liability and property?Yes, coverage is available on a monoline or package basis and includes general liability, property, and crime coverage options.
Which states is this program available in?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Are there any coverage limits for abuse or misconduct claims?Yes, Sexual and Physical Abuse coverage is included with a $50,000 per claim and $100,000 aggregate limit.
Is there a deductible for liability coverage?No, there is no deductible required for the general liability portion of this program.
Need help placing an account? Connect with a market specialist.