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Martial Arts Schools

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Program Description
This insurance program is specifically designed for U.S.-based martial arts schools and other organizations specializing in the instruction of martial arts.  For eligible martial arts schools or programs, coverage extends to the ownership, maintenance or use of the premise(s) reported to the Company as well as to your "Covered Operations".  Covered Operations consist of those operations and activities at your locations involving registered members/participants, under your direct supervision or organized by you, that have been reported to and approved by the Company, and for which the applicable premium has been paid.  As well as, off-site competitions, demonstrations, parades and fundraising activities, directly associated with those operations and activities at our location involving registered members/participants that are under your direct supervision, or organized by you; and ancillary events or activities at off-site locations involving registered members/participants under your direct-supervision, or organized by you, that have been reported to and approved by the Company, and for which the applicable premium has been paid.
In addition, coverage can be considered for birthday/Social parties at your premises that are under your direct supervision or organized by you, that have been reported to and approved by the Company, and for which the applicable premium has been paid; as well as for, activities involving non-registered members/participants, under your direct supervision or organized by you, that have been reported to and approved by the Company, and for which the applicable premium has been paid; and tournaments or competitions hosted by you under your direct supervision or organized by you, that have been reported to and approved by the Company, and for which the applicable premium has been paid. 


Eligible Operations
-Aikido-Kickboxing (cardio/fitness only)
-Brazilian jiu jitsu-Kickboxing (contact/sparring)
-Capoeira-Krav maga
-Chi kun-Kung fu
-Dim mak *-Mixed martial arts (Ultimate/extreme/cage fighting) *
-Fitness boxing (non-contact)-Savate *
-Goju-ryu-Sayoc kali *
-Haganah *-Shaolinquan
-Jeet kune do-Tai Chi
-Jiu Jitsu-Tang soo do
-Kali/escrima *-Thai boxing/muay thai *
-Karate -Wushu
Karate includes various styles such as: Chito-ryu, Goju-ryu, Isshin-ryu, Shuri-ryu, Kyokushinkai, Seido juku, Keichu do, Keichu-ryu,
Shorin-ryu, Shotokan, Shito-ryu, Uechi-ryu, Wado-ryu and Yoshukai karate

* Note: Coverage for these styles apply only to instruction/training type programs. Events/competitions/tournaments in which the insured’s members participate with these styles are excluded and not covered under this program.


If the style of martial arts that you instruct is not listed, please call 1-800-648-6406 to inquire about eligibility.
Ineligible for this program:  
-Boxing (contact/sparring)-Training programs for law enforcement officials,
​-​CrossFit Affiliate Owners and/or​public safety and military personnel
CrossFit programs/activities-Trampoline parks/facilities
Coverages Available & Program Highlights
General Liability Non-Registered Member Activity Coverage (optional)
-Bodily Injury and Property Damage  
-Contractual Liability Abuse & Molestation or Exploitation Defense Cost
-Personal and Advertising Injury   Reimbursement(optional)
-Products and Completed Operations   
-Bodily Injury to Participants Liability  Hosted Tournament Coverage(optional)
-Additional Insured Coverage for landlords included  
-Coverage for off-site demonstrations, exhibitions Birthday Party Coverage (optional)
and participation in tournaments conducted by others
included  Sexual Abuse or Sexual Molestation Liability
-Professional Liability(optional)
-Medical Payments for Participants
 -Premises Liability  Equipment and Contents Coverage (optional) 
-Hired Auto and Employers Nonowned Liability  -Business Income with Extra Expense-Actual Loss Sustained
(Not available in IL, LA, UT, VT and WI)-Money and Securities Coverage
-Damage to Premises Rented to You-Valuable Papers and Records coverage
- NEW Broadening Endorsement: Emergency Real Estate
Consultant Fee; Key Individual Replacement Cost;
Temporary Meeting space; Workplace Violence Counseling;
Identity Theft Exposure; Lease Cancellation Moving
Expense; Terrorism Travel Reimbursement
​ ​ ​ ​
Notable Exclusions​ ​ ​ ​
​ ​ ​ ​
​-​Abuse, molestation, harassment or sexual conduct-​​Nuclear energy liability
​-​Acupunture and acupressure​-​Parkour/free-running/tricking/urban gymnastics/extreme
​-​Aircraft/hot air balloon​tumbling, or any similar type programs - unless reviewed,
​-​Airport​approved and appropriate premium paid
​-Amusement devices - the ownership, operation, maintenance​-​Performers - injury or death to any performer or entertainer
or use of: any mechanical or non-mechanical ride, slide or​during any activity, event or exhibition, including but not
​waterslide, any inflatable recreational device, any bungee​limited to any stunt, concert, show or theatrical event.
​operation or equipment, or dunk tank.  Amusement devices​This exclusion does not apply to participants in any activity,
​do not include any video or computer games or any device​event or exhibition that are part of the designated operations
​that is specifically designed for the training or instruction​for which you are enrolled
​of the activity for which you are enrolled​-​Rodeos
​-​Animals - injury or death to, or injury, death or property​-​Saddle animals
​damage caused by any animal owned, rented or hired by you​-​Sale or distribution of herbal, medicinal and/or
​nutritional products
​Cap on losses from certified acts of terrorism
​Salon services or indoor tanning
​-​Childcare/babysitting services​-Sexually transmitted diseases
​-​Climbing walls exceeding ten (10) feet with no safety​-Silica or silica-related dust
​harness system, unless reported/approved by us​-​Snowmobiles
​-​Communicable diseases​-​Sports/rehabilitation services/therapy
​-​Cryogenic chambers/therapy​-
​Swimming pools, saunas, steam rooms, jacuzzis, hot tubs,
​Cyber incident, data compromise and violation of statutes related

​whirlpools or spas (unless reviewed, approved and

​to personal data
​appropriate premium paid)
​-​Cycling (other than stationary)-​​Those operations listed as ineligible
​-​Employment-related practices​-Total pollution with a building heating, cooling and dehumidifying
equipment exception and hostile fire exception
​-​Fungi or bacteria-​​Tournaments or competitions involving the following styles:
​-​Gymnastics classes/programs - unless reported, approved
​Muay Thai-Thai boxing, kali/escrima, Savate, Sayoc kali,
​and appropriate premium paidDim mak, Haganah, full contact and submission mixed martial
​-​Haunted attractions​arts, including but not limited to: cage events, extreme
​-​Instruction/activity being held on or in open water
​fighting and ultimate fighting
​(e.g.: lakes, ponds, ocean)-​
​Transportation of athletes/participants
​-​Lead-​Unmanned aircraft
​-​Massage therapy​-​Use of projectile weapons including, but not limited to
​-​Medical, therapy or health care services
​firearms and tasers, and defense sprays
​-Multi-passenger vehicles
​Use of sharpened/bladed weapons
-​​Non-registered participants at events/tournaments hosted

​by the named insured
Preliminary Underwriting Information Required
- K&K applications  
-Coverage will be bound upon receipt and approval of your completed enrollment form and payment
NOW AVAILABLE - Buy Coverage On-line!