Martial Arts Schools & Programs Insurance

General Liability and Accident Insurance for Karate, Tae Kwon Do, Judo, Jujitsu, Aikido, Kempo, Kickboxing and more.

Click here for an instant online quote.

This program has been designed for U.S.-based martial arts schools and other organizations specializing in the instruction of martial arts. Coverage provided includes important liability protection for the school or organization, including its employees and volunteers, for liability claims arising out of its operations.

Instant Online Quote in 5 Seconds Offers Broad Coverages that Protect Studio Owners Against Losing Everything in a Lawsuit!

Beware of other programs that have exclusions for Assault & Battery or Punitive Damages and no coverage for Non-Owned/Hired Auto Liability or Abuse & Molestation as these problems can expose you to uncovered lawsuits. Read the fine print in the competitor’s programs.

Martial Arts Studio owners applaud:  “No more hassle and frustration in filling out a long application and waiting days or even weeks to get a quote!”

If you are an individual martial arts / self-defense instructor that does NOT own or long term lease a facility or are simply working on behalf of a studio or program, click here for individual martial arts / self-defense instructor coverage.


$5,000,000 General Aggregate (Other than Products-Completed Operations)
(per owned location)
$1,000,000 Each Occurrence
$1,000,000 Personal/Advertising Injury
$1,000,000 Products/Completed Operations Aggregate
$1,000,000 Legal Liability to Participants
$1,000,000 Professional Liability
$1,000,000 Damage To Premises Rented to You
$5,000 Medical Expense (other than participants)
$1,000,000 Non-Owned and Hired Auto Liability (not provided while in HI)


$150,000 Maximum Limit including Dental
$250 deductible Applies to each claim.
  • Coverage is provided on an excess basis, responding after all other medical coverage available to the participant (such as family health insurance) has been exhausted. The deductible may be reduced by payment made by other collectible insurance.
  • Two-year benefit period from the date of the accident.


Plan Rate Per Student at Peak Point of Annual Enrollment
Martial Arts Option One ($1,000,000 CGL Limit)
Annual Minimum Premium: $750.00

Above rates are based on $1,000,000 each occurrence policy limit. Higher limits are available during online application process.

  • There is no charge for Additional Insureds
  • Rates available 01-01-2024 to 12-31-2024
    Coverage is provided by a carrier rated A (Excellent) by A.M. Best Company.

 Optional Non-registered Member Coverages

Subsidiary Activities*: $14.50 per participant

Birthdays/Social Parties: $16.50 per party

Includes coverage for yoga/exercise, meetings/seminars, tumbling (floor only), theater arts/drama, basketball/volleyball and other activities.

Eligible Operations

Aikido Judo Savate*
Brazilian jiu jitsu Jujitsu Sayoc kali*
Capoeira Kali/escrima* Shaolinqan
Chi kun Karate** Taekwondo
Dim mak* Kenjitsu Tai Chi
Fitness Boxing (non-contact) Kickboxing (cardio/fitness only) Taijiquan
Goju-ryu Kickboxing (contact/sparring) Tang soo do
Haganah* Krav maga Thai boxing/muay thai*
Hapkido Kung Fu Wushu
Jeet kune do Mixed Martial Arts (Ultimate/extreme/cage fighting)*

* Coverage for these styles apply only to instruction/training type of program. Events/competitions/tournaments in which the insured’s members participate with these styles are excluded and not covered under this program.

**Karate includes various styles such as: Chito-ryu, Goju-ryu, Isshin-ryu, Shuri-ryu, Kyokushinkai, Seido juku, Keichu do, Keichu-ryu, Shorin-ryn, Shotokan, Shito-ryu, Uechi-ryu, Wado-ryu and Yoshukai karate.


Ineligible Operations

Operations not eligible for this program include, but are not limited to, the following:Please print the application for a list of exclusions contained in this policy.

Boxing (contact/sparring) Training programs for law enforcement, public safety and military personnel
Trampoline Parks or Facilities Wrestling


Please print the application for exclusions contained in this policy.


Equipment and Contents

This provides coverage for direct loss or damage to your supplies and equipment, furnishings, improvements and betterments, signs and non-structural glass due to theft, fire, vandalism or other covered causes (subject to actual policy terms and conditions). You must insure the full replacement cost of all of your equipment and contents to avoid a co-insurance penalty at the time of loss.

Replacement Cost Value Deductible Premium Minimum Premium
$1 – $10,000 $250 Replacement Cost Value X .03 $100
$10,001 – $100,000 $1,000 Replacement Cost Value X .026 $100
$100,001 and Up $2,500 Replacement Cost Value X .026 $100

Sexual Abuse or Sexual Molestation Liability Coverage or Abuse, Molestation, Harassment or Sexual Conduct Defense Cost Reimbursement

This program includes two options for coverage for claims arising out of sexual abuse or sexual molestation:

Option 1: $1,000,000 of liability coverage for sums the insured becomes legally obligated to pay as damages because of loss arising out of any actual or threatened sexual abuse or sexual molestation. Limit is part of, and not in addition to, the general liability limit selection.

Option 2: $100,000 of coverage for reimbursement of defense costs only resulting from claims arising out of abuse, molestation, harassment or sexual conduct.

Option 1: $1,000,000 Sexual Abuse or Sexual Molestation Liability Martial Arts- $2.10 per participant

Non-Registered Member Activities- $1.86 per participant

Birthday or Social Party- $2.30 per party

($150 min premium)

Option 2: $100,000 Abuse, Molestation, Harassment or Sexual Conduct Defense Cost Reimbursement $100.00 (Flat Rate)

Risk Management Content

Visit our Risk Management page to access the following important content:

  • Sample Waiver/Release – Minor and Adult
  • Are Waivers Worth the Paper They Are Written On?
  • Before You Sign the Facility Lease Agreement
  • Collecting Certificates of Insurance From Vendors
  • Child Abuse / Molestation Protection Program – Short Form
  • Types of Criminal Background Checks
  • Concussion Awareness Risk Management Program
  • Sports Organization Risk Management Program

This is not an all inclusive list, check out our Risk Management page for other articles, programs, videos and forms.

Specialty Areas

Fitness Boxing
Karate School
Kung Fu
Karate Studio
Martial Arts
Martial Arts School
Martial Arts Studio
Tae Kwon Do
Tai Chi