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  Application & Printable Documents | Glossary
Martial Arts Schools

IMPORTANT: In CA and NY, Inland Marine (equipment & contents) coverage is not currently available for purchase through our online process.  If you would like to request a quotation, please complete and submit the Inland Marine Quote Request Form found under Application & Printable documents link above, and we will attempt to provide a proposal, subject to guidelines/availability with one of our carrier partners. 

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 your 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:  
-The sport of boxing (contact/sparring)
-​Training programs for law enforcement officials,
The sport of wrestling

public safety and military personnel

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 and Birthday Party Coverage (optional)
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
not available in all states
(not available in IL, LA, UT, VT and WI)

-Damage to Premises Rented to You

- 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 or exploitation​-Specified recreational vehicles and activities - Aircraft/hot-air
​-Acupuncture and acupressure

balloon, Airport, Amusement device: The ownership, operation,

maintenance or use of any device or equipment a person rides
Bodily Injury to participants while in a hired auto or non-owned

for enjoyment, including, but not limited to: mechanical or 


non-mechanical ride, slide, or water slide (including any ski
​Cap on losses from certified acts of terrorism

or tow when used in conjunction with a water slide), 
Childcare/babysitting services

inflatable recreational device, or vertical device or equipment 
​-Climbing walls exceeding ten (10) feet with no safety harness

used for climbing, whether permanently affixed or temporarily 

system, unless reported to and approved by us

erected. This exclusion does not apply to video games or 
​-Commercial general liability standard exclusions 

​computer games, or any device that is specifically designated 

(CG0001 04/13 edition)

​for the training or instruction of the activity for which you are
Communicable diseases

​enrolled, Animal, Bungee, Dunk tank, Haunted attractions,
Crossfit® affiliate owners and/or CrossFit® programs/activities

​Performer (injury or death to any performer or entertainer 
Cryogenic chambers/therapy

​during any activity, event or exhibition including but not limited
Cyber incident, data compromise, and violation of statutes 
​to any stunt, concert, show or theatrical event. This exclusion

​related to personal data
​does not apply to participants in any activity, event or
​Cycling (other than stationary)
​exhibition that are part of the designated operations for which
​Employment related practices
​you are enrolled) Rodeo, Saddle animal, Snowmobile
​Sports rehabillitation services/therapy
​Fungi or bacteria
-​​Swimming pools
​Instruction/activities held on or in open water
-​​The sale or distribution of medicinal, herbal and/or nutritional

​(e.g.: lakes, ponds, ocean)
​Those operations listed as ineligible
​Massage therapy
​Total pollution with a building heating, cooling & dehumidifying
​Medical, therapy or health care services
​equipment exception and hostile fire exception
​Multi passenger vehicles
​Tournaments or competitions involving the following styles: muey
​Non-registered participants at events/tournaments hosted by
​thai/thai boxing, kali/escrima, savate, sayoc kali, dim mak, 

​the named insured
​haganah, full contact and submission mixed martial arts, 
​Nuclear energy

​including but not limited to: cage events, extreme fighting and 
Parkour, obstacle course, ninja, free-running, tricking, urban
​ultimate fighting

gymnastics, extreme tumbling or any similar type programs
Unmanned aircraft
Salon services or indoor tanning
​Use of projectile weapons including, but not limited to firearms
Saunas, steam rooms, jacuzzis, hot tubs, whirlpools or spas
​and tasers, and defense sprays
Sexually transmitted disease
​Use of sharpened/bladed weapons
​Silica or silica-related dust

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!