If you own a martial arts school, then you have to become very familiar with insurance for your dojo. You know how important self-defense is in real life. It’s time that you learned more about how the insurance can provide your school with the defense it needs. Even though you might be very skilled, and you may believe your school to be a safe place to train, that does not mean you can forego martial arts insurance. If you have poor coverage, it could mean that an accident could prove the end of your school.
Naturally, you are always going to try to do your best to keep everyone safe whether they are in class, sparring, or doing anything else on the premises as a part of the school.
Martial arts school insurance is essential, but there is far more to learn about getting the right insurance than you might initially realize. Let’s get a better understanding of some of the things you have to understand so you can choose the best possible insurance.
Choose the Best Martial Arts Insurance For Your School
1. Get the Right Type of Insurance Cover for Your Martial Arts School
Just getting any type of policy for your school will not cut it. You need to have a high amount of liability insurance from a quality company if you want to weather any figurative storm that might head your way.
- Something to keep in mind is that many of the typical liability policies will actually exclude coverage if there is a lawsuit occurring due to a student being injured while training in your school. Therefore, you need to make sure that the liability policy you choose contains participant liability coverage. This means if any of the students in your class are injured during training, your martial arts insurance will cover them.
- When it comes to the lawsuits that a martial arts school will face, these tend to be the most common. Using a general liability policy will not do you any good.
- Even though you might feel that you have a good relationship with students, this doesn’t mean there is not a chance of one of them suing you in the event of an accident or injury. They need to watch out for themselves, naturally. Therefore, having the best quality martial arts school insurance you can afford is very important.
2. Always Read the Insurance Policy Carefully
You must take the time to read through every single aspect of the policy. Granted, this is not going to be the most engaging reading you’ve ever had to do, but it will be some of the most important. You need to know exactly what the martial arts insurance policy will and will not cover. This way, there are no surprises.
Your best option is to choose a company that specializes in martial arts school insurance. They know exactly what you need and can provide it.
3. How much accident cover is needed in Martial Arts School Insurance?
Ideally, you will want to have $100,000 benefits available for accident coverage, which can pay the medical bills of a student that has been injured. In addition, this coverage will also cover staff members and you, the owner.
4. What Activities are covered in Martial Arts School Insurance
Check to see what types of activities are covered as well. Ideally, you will want insurance that can cover classes, practices, tournaments, competitions, and any group travel that goes to and from various activities. This way, everyone will be covered for pretty much every type of event or school.
Keep in mind that there will generally be quite a few exclusions and limitations to any type of insurance policy no matter how comprehensive it might seem at first. You want to make sure that you understand and know all of the exclusions in the policy when it comes to accident coverage.
5. Who is Covered Under Your Martial Arts Insurance Policy
Consider the liability coverage of the policy in addition to the accident coverage. In many cases, the general liability will cover the owner, the school, directors and instructors, and other employees and such as property 
damage liability, advertising and reliability, bodily injury liability, and any court and litigation costs to defend against these things.
Some of the things that this type of coverage can help protect against include injury or death of participants, spectators, and volunteers.
It can also cover the cost of investigation, as well as general negligence claims. Again, there are certain exclusions to this portion of the policy as well in most cases.
Shopping for the Right Martial Arts Insurance Coverage
You certainly want to make sure that you take your time when looking for martial arts school insurance. As with any other type of insurance, not all providers are created equal. You need to find an insurance company that truly knows and understands the business of martial arts and the type of coverage you need to remain safe so your school doesn’t end up failing because of an accident.
Now that you have a better idea of what you would need for martial arts insurance, take the time to find a company policy that can provide your martial arts school with the defense it needs against any potential lawsuits.
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