Martial arts

General liability
A must for all martial arts schools, general liability insurance protects you if you are sued by someone who claims that you caused their physical injury or damaged their property. You can choose the level of general liability protection you need:

  •  $500,000 per occurrence/$1.5 million aggregate*
  •  $1 million per occurrence/$3 million aggregate

*Per occurrence is the maximum amount paid on a covered individual claim; aggregate is the maximum amount paid on all covered claims combined, within the policy period.

Umbrella liability

Umbrella liability provides extra protection for catastrophic events. Umbrella liability goes into effect after you've exceeded the limits of your general or auto liability insurance. We offer limits up to $5 million.

Excess accident medical
If students are injured at your school or during sponsored activities, Excess accident medical insurance will pay their covered medical expenses. You can think of this insurance as a good will gesture--by paying a student's medical bills now, you may be able to avoid a lawsuit later. Our coverage will pay up to $10,000 in medical expenses per student, with a $25 per claim deductible. Excess accident medical coverage is sold as a minimum earned premium policy. Should you cancel your policy, you may not have any return premium.

Tournament coverage
If your school sponsors tournaments or your students and instructors participate in them, you should consider adding insurance for tournaments to your liability policy. We offer two types of coverage, which can be customized based on your specific needs.
  • Limited tournament coverage: Protects you whenever your instructors or students participate in a tournament you do not sponsor.
  • Broad tournament coverage: Protects you when you are the sole or participating sponsor of a tournament.


  • Buildings: Protects your building whether you own or rent.
  • Business income: If your school is temporarily closed due to a covered loss, this insurance covers your lost income and continuing expenses.
  • Business personal property: Protects your office furniture and fixtures if they are damaged by a covered cause of loss.
  • Systems breakdown: Protects you when any mechanical, electrical, or pressure system breaks down. This includes heating and air conditioning systems, computers, boilers, refrigerators, hot water heaters, and telephone systems.
  • Crime: Covers employee dishonesty, theft of money and securities, and forgery.
Policy and terms are only briefly outlined. For complete details, refer to the policy.