Martial Arts Schools Insurance

You need to report the number of students you project to have within an annual term. You may add additional students at any time by using the martial arts supplemental form provided in our pdf enrollment forms section on this page.

We only offer coverage for the training of mixed martial arts. We will not provide coverage to our insured for any involvement in (whether hosting or participating in) any mixed martial arts tournaments, competitions, or events. We also do not offer any coverage managing or promoting any amateur or professional fighters. 

This insurance program does not provide coverage for the transportation of students. Should you require insurance for the transportation of students, consult a licensed insurance agent in your area.

No. You will receive a certificate of insurance as evidence of coverage. By applying for this insurance, you are applying for membership in the Sports, Leisure and Entertainment Risk Purchasing Group (RPG), a group formed and operating pursuant to the Liability Risk Retention Act of 1986 (15 USC 3901 et seq.). Coverage is offered exclusively through the RPG. The RPG receives a master policy from the insurance company. Submission of this enrollment form confirms your desire to receive coverage through the RPG. Each member receives their own certificate of insurance as evidence of coverage. The limits of insurance apply individually to each insured member organization - there are no shared limits of liability with any other members. For a copy of the RPG master policy, please submit your request in writing to: K&K Insurance Group, In., PO Box 2338, Fort Wayne, IN, 46801-2338.

• Coverage does extend to incidental virtual training provided by you (the named insured) to your clients/members. The policy is intended to extend bodily injury coverage for training available to your clients/members only (through a private platform such as a password protected website or a closed Facebook group). Coverage does not extend to any training material that is accessible to the general public.  
• Reasonable precautions should be taken when assessing potential new clients/members online, including but not limited to: health assessments, waivers/release forms, and interviews prior to instruction or training. We encourage you to consult with an attorney to consider special waiver/release agreements that will apply specifically to virtual training. 
• Virtual training/instruction does not extend to any training/instruction that includes gymnastic apparatuses, tumbling, or stunting (including pyramids) or in-water activities. We do not provide coverage for cyber liability, so if you are taking payment or collecting personal information online and it is compromised, there would be no coverage under the general liability policy.

Imagine this: A parent twists an ankle stepping off the training mat onto the lobby tile. A student kicks a hole in the drywall during sparring drills. A beginner slips while practicing a throw and their family insists the instructor “pushed them too hard.”

In moments like these, one question matters most: Does your martial arts school have liability insurance to help protect you, your livelihood, and your reputation?

Without the right coverage, you’re not only dealing with upset students or parents, you may also face attorney fees, claim investigations, and potential settlements on your own. Those costs can quickly add up and threaten the financial health of your dojo. With strong liability insurance in place, your insurance provider can help coordinate legal defense, manage the claim, and work toward resolution so you can stay focused on what you care about: your students, your program, and your community.

Even if you’ve never faced a claim before, that can change in a single class.

Insurance Designed for Martial Arts Schools

The risks you face as a martial arts school owner are very different from those of a typical retail business. Full-contact drills, throws and takedowns, busy tournaments, and family spectators all create unique exposures. That’s why K&K offers liability insurance tailored to martial arts schools and training centers.

With decades of experience in sports and recreation insurance, K&K understands how claims can arise in martial arts environments and how to handle them efficiently. Their underwriting and claims professionals are familiar with martial arts instruction and parent expectations so when something goes wrong, you’re working with people who understand how martial arts schools operate.

A Solid Foundation for Your Dojo

Investing in liability insurance is a lot like investing in quality mats and safety gear: you hope you’ll never see them tested to the extreme, but you want to know they’re there when it matters. With K&K’s industry-focused coverage, you’re adding an important layer of protection beneath everything you’ve built: your students, your instructors, and your school.