Martial Arts Schools and Studios

Liability with Participant Medical Insurance Coverage

(Upon completing the application, you will be given the opportunity to save your quote or purchase the insurance.)

The study of Martial Arts allows students, no matter the age, to learn self-defense and discipline. There are always risks in teaching martial arts and operating a school; therefore, participation can result in accident and injury. Our specialized insurance can help an injured student meet large deductibles and pay remaining balances after their insurance pays benefits. In addition, our coverage helps studio owners satisfy insurance requirements mandated by lenders or landlords, and gives protection for exposure to lawsuits through claims made by participants or spectators.

Staff members are included for no extra charge. Please note that independent contractors are not considered staff, however they may be added for an additional premium under optional coverages.

Our specialty insurance for Martial Arts Schools and Studios is designed to help ease the financial and emotional burden one can incur as a result of a lawsuit or participant injury claim. Liability insurance, which includes participant medical coverage, is offered as a standalone product and with options such as equipment, abuse/molestation, spectator medical payment, camps and tournament coverage available.

The Liability Coverage ($1,000,000 Coverage)

Who Is Covered

This program provides protection for your Martial Arts School or Studio owners, instructors and employees against claims of bodily injury liability, property damage liability and the litigation costs to defend against such claims. Coverage is provided up to $1,000,000 per occurrence with a general aggregate amount of $1,000,000. There is no deductible amount.

Coverage includes suits arising out of:

  • Injury or death of participants
  • Injury or death of spectators
  • Injury or death of volunteers
  • Property damage liability
  • General negligence claims
  • Cost of investigation and defense of claims, even if groundless

Exclusions & Ineligible Sports/Activities

Abuse/Molestation, Assault & Battery, Employment Related Practices, Total Pollution, Collapse of Temporary Structure, Fireworks/Pyrotechnics, Use of Trampolines, Inflatables, Diving Boards, Swimming Activities, Gymnastics, Cheerleading Pyramids, Skin & Scuba Diving, Snow Skiing, Water Skiing, Motor Sports, Rodeo or any Equestrian Related Sports, Polo, Mountain Climbing, Rock Climbing, Climbing Walls, Waterslides, Ballooning, Parachuting, Sale/Manufacture/Distribution of Athletic Equipment, Use of Saunas or Tanning Devices, Full Contact Sparring of Any Kind, Boxing, Mixed Martial Arts, Cage Fighting, Law Enforcement Training, Public Safety Training, Military Personnel Training, Aerial Maneuvers or Silk Rope Activities More than 5 Feet off Ground, Use of Bladed Weapons, Use of Projectile Weapons including, but not limited to Firearms and Tasers and Defense Sprays, and the following Martial Arts Styles - Muay Thai/Thai Boxing, Kali/Escrima, Savate, Sayoc Kali, Dim Mak and Haganah.

Participants Medical Payments

All youth and adult students and staff members of the Policyholder are covered while participating in sponsored activities.

Maximum Excess Medical Expense Benefit

If the Covered Person incurs eligible expenses as the result of a covered injury, the Company will pay the cost of such expenses, which are incurred within a 52-week period following the date of the accident, beginning on the date of the accident. Payment will be made for eligible expenses, not to exceed the Maximum Medical Expense Benefit of $100,000, subject to a deductible amount of $250. The first such expense must be incurred within 90 days of the date of the accident.

This coverage is excess medical, commonly known as secondary coverage. Primary coverage of the injured party will be responsible for initial payment of medical expenses. The coverage we provide pays expenses not paid by the insured’s primary insurance, subject to the plan deductible. This plan does not cover treatment or services payable under any other insurance or medical service plan available to the Covered Person.

Exclusions and Limitations

This Plan does not cover any loss due to or resulting from:

  • Sickness or disease in any form, except pyogenic infections due to an accidental cut or wound.
  • The use of drugs or narcotics, unless administered under the advice of a physician.
  • War or any act of war, whether or not declared.
  • Participation in any riot or civil commotion.
  • Suicide or any attempt thereat or any self-inflicted injury.

The Optional Coverage We Provide:

Independent Contractors:

who receive a 1099, can be added to coverage at your location only.

Sexual Abuse and Molestation:

$1,000,000 liability coverage is an option that can be added to protect you from claims that may arise out of alleged abuse and/or molestation.

Spectator Med Pay Benefit:

provides $5,000 in reimbursement medical expense coverage in case a spectator is hurt at your location, whether you are liable or not.

Equipment Coverage:

covers your contents and equipment up to a specified limit.

Day Camp:

coverage covers your camp participants. (Requires supplement application and underwriting approval please contact esportsinsurance)

Tournament Coverage:

covers your hosted tournaments for up to 200 participants and 3 days at an additional cost of $125.


The General Liability with participant accident coverage included is provided by an "A-" (Excellent) rated by A.M. Best Company.