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Liability Policy


Who Is Covered

This $2,000,000.00 occurrence form general liability program provides protection for your martial arts school, owners, directors, instructors and employees against claims of bodily injury liability, property damage liability and the litigation costs to defend against such claims. There is no deductible amount. Coverage is offered through the Sports and Recreation Providers Purchasing Group, pursuant to the Federal Risk Retention Act of 1986. Includes $300,000.00 benefit for adult students.

Coverage includes suits arising out of:

Injury or death of participants 
Injury or death of spectators 
Injury or death of volunteers 
Property damage liability 
Host liquor liability (nonprofit) 
Incidental medical malpractice 
General negligence claims 
All activities necessary or incidental to conduct of activities 
Cost of investigation and defense of claims, even if groundless 
Ownership use or maintenance of gyms, fields or school areas

Includes coverage for all youth hosted or non-hosted tournaments at no additional charge. Additional insureds such as landlords can be added at no additional charge.


Fraudulent or dishonest acts, punitive or exemplary damages, pollution, asbestos, sexual abuse or molestation, fireworks, nuclear energy liability, saunas, rock or wall climbing facilities, health clubs, boxing, thai boxing, savate, adult tournament competitions and occurrences prior to the effective date of coverage.

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