7 Common Questions About Martial Arts Insurance

Martial arts clubs are exploding in growth.

As of 2020, more than 39,000 martial arts businesses were operating in the United States. That number has steadily increased since 2012.

That’s why martial arts insurance is important. Your people, property, and financial assets need protection if the unexpected were to happen.

American Speciality Express insures martial arts clubs and studios across the country. As you consider insurance options for business, your head is probably full of questions. Here are answers to some of the most common.

1. What Does Martial Arts Insurance Cover?

Martial arts insurance protects the facility and you as the business owner. At American Specialty Express, coverage is made up of two separate policies.

General Liability protects you as the business owner and your financial assets from third parties who allege bodily injury, property damage, or personal and advertising injury. This type of insurance is also a common requirement to rent space for your business.

Accident Medical Policies provide protection if one of your students were to get hurt at your facility. Although the individual’s or family’s medical insurance would still be primary, the accident medical policy acts as excess insurance. It can also help pay for out-of-pocket costs such as deductibles or copays.

2. What Additional Coverage Options Are Available?

You can also purchase commercial property insurance. In the event of damage to your facility, this type of coverage offers different layers of protection:

Business Personal Property helps replace essential business items such as mats and kick pads.

Tenants, Improvements, and Betterments cover any new enhancements or renovations you may have made to the facility.

Business Income coverage helps you pay bills if your martial arts club is shut down for repairs due to a covered property claim.

You can also purchase excess liability insurance if you want or need higher limits of liability coverage.

3. How Much Does Martial Arts Insurance Cost?

Practices vary from provider to provider, but here at American Specialty Express, prices start at $551. 

To see a price that’s more personalized for your business, you can get an online quote.

4. What About Insurance For Martial Arts Instructors Who Are Independent Contractors?

Instructors who are independent contractors aren’t necessarily covered by your martial arts facility insurance policy.

Separate cover is available by getting a martial arts instructor insurance quote.

5. What About Striking And Sparing?

Striking and/or sparring between students can complicate your policy.

For some approved disciples, such as karate and taekwondo, striking another person or sparring with them is acceptable.

However, American Specialty Express would not cover other disciplines that feature striking, such as Muay Thai.

6. What Forms Of Martial Arts Does American Speciality Express Insure?

Acceptable forms include:

• Aikido 
• Brazilian Jiu Jitsu 
• Capoeira
• Hapkido
• Judo
• Jiu Jitsu 
• Karate
• Krav Maga 
• Kung Fu
• Taekwondo
• Tai Chi

If you have questions about a specific form of martial arts, please contact us.

7. What Forms Of Martial Arts Does American Specialty Express Not Insure?

This list is not exhaustive, but common forms we do not insure include:

• Boxing (featuring contact or sparring)
• Dim Mak
• Escrima
• Kali
• Ultimate Fighting/UFC
• Wrestling

Get your martial arts insurance quote now or contact American Specialty Express if you have any questions.