How Much Does Martial Arts Insurance Cost?

How Much Does Martial Arts Insurance Cost?

Business insurance is an important part of all businesses. There are far too many risk factors that could bring your school down to do business without it. For martial arts schools, there are a number of factors to consider that are unique to your industry. It’s important to be well-informed, before making the decision on which provider or coverage plan is right for your and your school.

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Before you get a quote and commit to insurance coverage from one provider, we look at a number of areas you should explore:

Kinds of Martial Arts Insurance

There are many different forms of martial arts school insurance to take into consideration. When you get a quote, it's important to understand all the several types of coverage that your provider can offer. That being said, a good martial arts insurance provider should break it down for you in a way that’s easy to understand, as well as know what kind of coverages you need, in particular.

Some of these insurance types are:

  1. Property
  2. General liability
  3. Tournament/demonstration
  4. Accident medical
  5. Umbrella
  6. Crime insurance

Regardless of whether your school specializes in tae kwon do, Brazilian jiu jitsu, or tai chi, you may want to choose a combination of coverages that protect you from most or all of these aspects. Insurance for martial arts schools is a priority in opening a successful school.


How to Choose a Martial Arts Insurance Policy Provider

There are many factors to consider when choosing a martial arts insurance provider. One of the most important factors is the experience the provider has. Are they an established organization with a good reputation? With your business’s well-being in their hands, you’ll want to make sure they are a trustworthy martial arts insurance provider so, if things go wrong, they’ll be able to handle it effectively. You will also want to make sure that you are choosing a provider who makes the process to file a claim accessible and simple. After all, insurance policies are the most effective when processing a claim doesn't cause a headache.

General Liability Claims

Another large point of interest is if they provide adequate liability insurance. In this circumstance, an insurance company that has a specific focus on martial arts schools will be a huge advantage for you. Students might event create a situation where a lawsuit could occur. This can be prevented or lessened by having a well-written contract and terms of agreement when a student joins but, when this fails, liability insurance should cover you, in the chance that the student wins a case due to negligence, for example. Given the physical nature of martial arts studios, liability coverage is a priority in seeking coverage. With Xplor Recreation's martial arts school software, you can distribute and store waivers signed by students.


Property Insurance 

When choosing a martial arts insurance provider, you also need to make sure that they can adequately insure and provides coverage for your current assets. Property damage, stolen goods and natural disasters are all things that can potentially harm your business and your insurance coverage should protect you from these. No matter how great a provider’s liability insurance is, make sure their general coverage is comprehensive as well.

5 of the Most Common Martial Arts Injuries and How to Prevent Them

How Much Does Martial Arts Insurance Cost?

While these expenses can range anywhere from $850 to $5,000—and even higher—per year. It really depends on a laundry list of factors. Of course your geographic location will have a lot to do with the insurance rates involved. The size of your business will also affect the amount you pay in insurance. Next, your risk valuations affect insurance premiums greatly, such as the age of your building.

There may be some variability as well with the various providers available. While your impulse may be to go with the cheapest provider, looking at the various providers’ track records is wise. If something happens and the provider refuses to cover it due to some obscure subjective loophole, your premiums have gone to waste. Make sure you put your dollars where it will keep your martial arts school safe.


In managing your school's insurance, you will need member management software to help you along the way. Xplor Recreation manages documents, waivers, and more for your students and team, giving you peace of mind and more time on your side. Contact us to book a demo now, and see how Xplor Recreation has brought over one million users like you live!

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