Martial Arts School Liability Insurance Limits

Standard liability insurance limits for martial arts schools, again per SFIC, typically offer the following options:

  • $1,000,000 per occurrence (for a single claim), with either a $2,000,000 or $3,000,000 annual aggregate (the total amount covered for all claims within a year).
  • Alternatively, you can get $2,000,000 per occurrence, with a $4,000,000 annual aggregate.

If you feel your school requires even higher protection, you can opt for an Umbrella or Excess Liability policy to extend those limits.

Understanding the costs and limits of martial arts school insurance can help you make an informed decision to protect your business. You don’t want to be caught off guard when something goes wrong.

Make sure you're properly insured and that your coverage aligns with the unique needs of your school.