What level of liability is available through insurers?

The Martial Arts Industry has been using the following limits 5-20mil Public Liability insurance for the past 20+ years based upon insurer recommendations. 

Martial Arts Businesses (clubs /schools/promoters) require a specialised sports insurance, not a standard liability product, to cover the unique activities of martial arts training and competing. Instructors can buy a product online without speaking with a broker. However, this doesn't give instructors the opportunity to ask questions and therefore make a fully informed decision on their insurance policy.

What are some of the questions you can ask your broker:
- Does the policy cover martial arts training with full contact fighting in the ring and/or a cage?
- What is the excess in the event I have to make a claim?
- What is the process to make a claim and will I get any help in the process?
- What qualifications do you need to obtain insurance?
- Are your non-member events covered under the policy?
- Does the cover include training outside - on the beach, the mountains, or the park?

The level of cover is ultimately up to the business owner to decide. The venue / landlord may specify a minimum limit of 10mil or 20mil Public Liability to meet what they feel the risk needs to cover.

Our Preferred Broker - Martial Arts Australia Insurance Services

Martial Arts Australia Insurance Services Pty Ltd ABN: 31 632 785 329 Authorised Corporate Representative No: 001283262 

of United Insurance Group Pty Ltd ABN 31 131 564 522 AFSL 327131 who arrange the insurance and are not an insurer.

Words from the broker continues: Its common knowledge by long term club owners, that some styles have been restricted with only a percentage of a clubs activities been covered. That said, you can still get cover for the following styles and not limited to: Taekwondo, Karate (Shotokan, Goju, Wado, Shukokai, Ashihara, Budokan, Chito Ryu, Enshin, Isshin Ryu, Kyokushin, Seidokaikan, Shito Ryu, Uechi Ryu, Shuri Ryu, Yoseikan, Kenshinkan, Shotokai), Kung Fu (Wing Chun, Shaolin, Hung Ga, Praying Mantis, Choy Li Fut, Wushu, Tai Chi, Eagle Claw, White Crane,), Kickboxing, Muay Thai,  Mixed Martial Arts (MMA), Brazilian Jiu Jitsu (BJJ), Aikido, Hapkido, Tang So Do, Kempo, Iaido, Ninjutsu, Kendo, Wushu, Tai Chi, Judo, Silat, Boxing, Krav Maga, Systema, Defensive Tactics to name a few.

Some martial arts styles are deemed to have a higher risk of injury than others based upon a number of factors. For example Tai Chi can be practised slowly without contact with another person, whilst Karate does the same, but also has partner drills and sparring. Whenever there are two or more people making contact with each other, there is a higher risk of injury, than not touching each other. The frequency / intensity of contact, coaching standards, curriculums and equipment used, are all factors in assessing the risk between styles. Want to find out more about insurance for your business?
Speak To Our Preferred Broker - Martial Arts Australia Insurance Services

Martial Arts Australia Insurance Services Pty Ltd ABN: 31 632 785 329 Authorised Corporate Representative No: 001283262 

of United Insurance Group Pty Ltd ABN 31 131 564 522 AFSL 327131 who arrange the insurance and are not an insurer.