Programs Usually Covered in Martial Arts School Insurance:

Includes:

    1. Karate Schools - Traditional forms and techniques generally covered.
    2. Kung Fu - Includes various styles of Kung Fu without live weapons.
    3. Aikido - Focus on throws and joint locks covered.
    4. Tae Kwon Do - Korean martial art of kicking and punching covered.
    5. Fitness Kickboxing - Non-combat, fitness-focused classes covered.
    6. Fitness Boxing - Cardio and fitness boxing without live sparring.
    7. Judo - Throws, takedowns, and joint locks covered.
    8. Jiu-Jitsu - Both traditional and Brazilian Jiu-Jitsu techniques are covered.
    9. Self-Defense - Programs teaching defensive techniques using fake weapons.

Programs Typically Not Covered by Insurance

Excluded Activities

  1. Live Bladed Weapons - Training involving real swords or knives.
  2. Firearms Programs - Any classes involving the use of real firearms.
  3. Concealed Firearm Classes - Specific training for firearm concealment.
  4. Full Contact Kick Boxing - High-risk full-contact variants.
  5. Full Contact Boxing - Includes competitive, full-contact boxing.
  6. Mixed Martial Arts (MMA) - May include high-risk sparring and competition.
  7. Submission Fighting - Competitions involving submission techniques.
  8. Cage Fighting - Activities conducted within a fighting cage.

Insight for School Owners

Understanding the coverage limitations and exclusions is crucial for martial arts school owners. 

It ensures that all programs conducted are within the scope of insurance protection and adhere to safety standards dictated by insurance policies. 

Consider consulting with an insurance expert specialized in martial arts to tailor a policy that best fits the unique needs of your school and fully covers all your programs, while also considering any necessary exclusions based on the risk associated with certain martial arts practices.