Martial Arts School Insurance: Critical Questions to Ask Providers
As a martial arts school owner, one of the most important things you can do is ensure your school is fully protected. But not all insurance policies are created equal, and it’s up to you to ask the right questions before committing to a provider.
Here are five essential questions to ask when choosing martial arts school insurance:
- Does the General Liability policy include an exclusion for athletic participants?
This is a big one. If your insurance provider excludes coverage for athletic participants, that policy is a no-go for martial arts schools. Students getting injured during training or competition is a reality we can't ignore. Make sure your general liability covers your participants.
- Is Professional Liability included in the General Liability?
If it’s not, you’re looking at paying more because you'll have to buy it separately. Martial arts schools need both general and professional liability coverage, so this is a must-have to avoid extra costs.
- Is Sexual Abuse and Molestation coverage included?
This is an unfortunate necessity in today’s world. It’s crucial that your policy includes this coverage. You might need to implement employee background checks to qualify for this, but trust me, it’s worth it. Background checks are not only important—they’re affordable.
- Are summer camps or after-school programs covered under General Liability?
Many martial arts schools offer extra programs like summer camps or after-school care. These programs increase liability, so make sure they’re included in your general liability coverage. Sometimes, this requires a supplemental application, but it’s essential for full protection.
- Do you need special event coverage?
Before you sign anything, make sure you’ve discussed special event coverage with your provider. Whether you’re hosting a tournament, exhibition, or off-site demo, you’ll need to ensure those activities are covered. It’s better to ask these questions upfront than regret it later.
By asking these critical questions, you can avoid unpleasant surprises and ensure that your school has the comprehensive coverage it needs. Don’t wait for an accident to happen—prepare now, and you’ll have peace of mind knowing your school is fully protected.