Martial Arts Insurance
Specialist Insurance for Martial Arts Instructors, Clubs & Associations.
- Public Liability up to £10 million
- Join 180,000 customers**
- Flexible Payment Plans – 0% APR
Underwritten by
Save 10% Onlineˆ
From £5.02* a month
Get a Quote for Martial Arts Insurance
We offer two tailored martial arts insurance policies: one designed specifically for individual martial arts instructors and another for martial arts clubs and associations. Click the link below that best matches your needs
Martial Arts Instructor
Martial Arts Club/Association
What does martial arts insurance cover?
Our insurance for martial arts includes essential liability cover with the option to include extra benefits depending on your situation. You will find that you can opt for different levels of cover, depending on the scale of your services.
The policy can be tailored to martial arts instructors or martial arts clubs providing protection for the common risks for your activities, ensuring you are prepared for unexpected eventualities.
Make sure you have the correct insurance for your activities and be sure to check if any exclusions are relevant to what you have planned in policy documentation.
Public Liability
Professional Indemnity
Equipment
Employers’ Liability
Personal Accident
Public Liability
- From £1 million to £10 million of cover.
- Protection from claims by a third-party who sustains injuries or has their property damaged as a result of your actions.
Professional Indemnity
- From £1 million to £10 million of cover.
- Protection from claims by a third-party who sustains injuries or has their property damaged as a result of advice that you provide.
Equipment
- £500 worth of equipment included.
- Add up to £30,000 of equipment cover.
Protecting equipment you need for your business from loss, damage and theft.
Employers’ Liability
- £10 million worth of cover.
- Protection against liability allegations made by Employee’s and includes cover for damages rewarded and defence costs.
Personal Accident Cover
- Protection for the person(s) insured, should they suffer a bodily injury caused by an accident at the business or club insured.
- A selection of incidents can be claimed for under this benefit including accidental death, permanent total disablement and temporary total disablement.
Overseas Extension
- Work abroad for up to 30 days a year.
Select Europe or Worldwide (excluding the USA).
Legal Expenses
- Cover for up to £100,000 of cover for Legal Defence, tax protection and access to specialist help-lines.
- Option to include cover for employment, property and contract disputes, as well as health and safety appeals, jury service, court attendance and licence protection.
- Coaching any activity without the relevant qualification.
- Equipment that’s left in plain sight or in an unlocked vehicle, and where there’s no sign of forced entry or damage.
- Any pre-existing medical condition unless specifically agreed by us.
- Participant vs Participant: If you’re playing a contact sport, we don’t cover injuries or damage that one player causes to another player during the game.
- Property owners – occupiers’ liability: we do not provide cover connected to operating and managing a premise, fitness studio or gym. This cover is for instruction or coaching only.
For further information on exclusions in your cover please refer to policy documentation.
Public Liability
- From £1 million to £10 million of cover.
- Protection from claims by a third-party who sustains injuries or has their property damaged as a result of your actions.
- Extends to the actions of your members whilst acting as a member of your club/association.
Professional Indemnity
- From £1 million to £10 million of cover.
- Protection from claims by a third-party who sustains injuries or has their property damaged as a result of advice that you provide.
- Extends to the advice provided by qualified members of your club/association when acting as a member of your club/association.
Employers’ Liability
- £10 million worth of cover.
- Protection from claims against employee incidents if someone suffers a work-related injury and brings a claim against you.
Personal Accident Cover
- Protection for the person(s) insured, should they suffer a bodily injury caused by an accident at the business or club insured.
- A selection of incidents can be claimed for under this benefit including accidental death, permanent total disablement and temporary total disablement.
Directors & Officers Cover
- Financial protection for directors and association officials in respect of their personal liability whilst working for the club or association.
- Coaching any activity without the relevant qualification.
- Any pre-existing medical condition unless specifically agreed by us.
- Property owners – occupiers’ liability: we do not provide cover connected to operating and managing a premise, fitness studio or gym. This cover is for instruction or coaching only.
For further information on exclusions in your cover please refer to policy documentation.
Why do you need martial arts cover?
Martial Arts Insurance protects qualified professionals and clubs from claims that could arise from risks and incidents whether this be an instructed session, competition or other general club activities.
You can be assured you are operating responsibly as either an instructor or a club, fulfilling safety obligations to your clients and members. Claims can be costly if they arise and damage your reputation if not handled appropriately. Focus on providing your customers with the best possible service, knowing you’re prepared if things go wrong.
These listed scenarios can provide examples of why suitable insurance is so important.
Cover against claims from public injury.
A situation might occur whereby a third party suffers an accident or sustains and injury which is deemed to be your responsibility. If someone trips and falls during a session or has an item like a phone damaged public liability can protect you if they bring a claim against you.
Accusations of negligence following a client injury.
During a training session you may provide tips and advice to improve your clients’ technique. Subsequently if they get injured and bring forth a claim as a result, the claim could not only impact your financially but damage your reputation if badly handled.
Professional Indemnity Insurance will cover legal costs and damages if a client decides to bring a claim against you for the incident. Rest assured you can deliver high-quality training without the concern of a claim hanging over you.
A club requires public liability proof for contracted instructors.
If you are contracted by a Martial Arts Club to provide training services. Having suitable public liability cover will likely be a minimum requirement.
Avoid martial arts equipment losses.
You could be faced with a scenario where your equipment is stolen from a changing room or damaged in storage.
Martial arts equipment cover can avoid protecting the tools you rely on, with cover to repair and replace your items, in case they are damaged or stolen.
Protection for the financial impact of injuries sustained at work.
As an instructor, if an accident results in an injury to yourself and you need to take some time off work.
Avoid loss of earnings with personal accident cover. This can provide you with financial support if you suffer an injury or accident whilst providing your service.
Our experts explain why...
“The offering of martial arts clubs and instructors has evolved over years with wide ranging specialisms and techniques as well as different forms of delivery. We have adapted our product offering to recognise this demand, so we can make sure, whatever you are offering to your customers, we can provide you financial protection. Our insurance offering doesn’t just cover your Public Liability concerns but also those that might come from suggested negligent advice and tuition, through our Professional Indemnity extension, which we offer at no additional charge.”
Chris Trotman, Protectivity Underwriting Manager
How much does martial arts insurance cost?
The cost of martial arts insurance can vary depending on the level of cover you need. For example, if you use specialist equipment in your training you may need to increase the value of cover.
Investing in Martial Arts Insurance is not just about protecting you and your organisation; it’s about securing the essentials whilst you focus on teaching and inspiring the next generation of martial arts enthusiasts.
At Protectivity policies start at just £5.02* a month.
Prices from
£5.02* a month
Explainer quote
Policy cost
£5.02* a month
Policy type
Martial Arts
Policy duration
Annual
Public Liability
£1,000,000
Professional Indemnity
£1,000,000
Equipment Cover
£500
This example is based on a real quote from our website on 1/10/2024. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example. The quote you receive will reflect the information you share about your event. The quoted price may vary from those displayed here.
Have a question?
For further information on your policy, renewals, making a claim and contacting us, you’ll find an extensive list of FAQs on our Help & Support page.
Why choose Protectivity for your martial arts insurance policy?
Let the reviews of over 3,500 customers explain why you should choose us.¹
Trusted by over 180,000 customers.
Experienced insurance providers for over 30 years.
Over 3,500 highly rated reviews.
Proof of our excellent customer service.
Experienced Claims Handling
A smooth and efficient claims process.
UK Based Customer Support
Our UK sales team are here to help.
Frequently
Asked Questions
Are our instructors insured under your Martial Arts Club & Associations Insurance?
If your instructors are members of your club and/or association and only provide instruction to your members, within the remit of your club and/or association, you will not require separate instructor insurance for your instructors, they will be included without specifying them on your policy of insurance.
Does your policy of insurance cover our club or association for organising events, competitions and tournaments?
We understand that as a club and more so an association, you are involved in arranging events for members to display their capabilities in their chosen martial arts. Our policy product will cover you for organising events on the basis that participants are members of your club and/or association, for those participants who are not members of your club and/or association, they need to be members of a club and/or association that have their own insurance. Also, events must not be larger than 500 visitors per event, including participants and spectators.
What is the difference between Public Liability cover and Personal Accident insurance and do I need both?
Personal Accident cover provides a benefit (subject to the policy terms) if a member is injured whilst participating in Martial Art discipline regardless of negligence. For example, some of the benefits available are Permanent Total Disablement, Broken Bones, Medical Expenses and Physiotherapy Sessions and Rehabilitation and Retraining Expenses.
Public Liability cover is an indemnity for Legal Liability against claims from the public, club/association members for bodily injury or property damage caused by the club/association or its members.
Which martial arts weapons and disciplines are covered?
We have an extensive list of styles and disciplines that we are able to provide cover for with the addition of the use of weapons also. This can be found by using our quote process.
Do you include Member to Member cover?
Yes, only for a club and associations policy. This forms part of the public liability cover, this would cover one member to another member for negligent injury. This is not a form of group personal accident insurance.
No. Not for our individual martial arts instructor policy.
What Martial Arts are covered?
We are able to cover a wide range of martial arts disciplines from Karate, to Judo and Taekwondo to Jujitsu. Find out if your activity is covered when you request a quote.
Discover more from Protectivity
This page content has been created for general information and should not be taken as advice.
*Prices quoted refer to a quote raised from our website 01/12/2025. Prices will differ depending on requirements. Make sure you have the correct level of cover for what you need. For the most accurate pricing, please get a quote and for full details on what is covered refer to our policy documentation with your quote.
** Based on Protectivity sales data from 2007 to present
ˆ10% discount for policies bought online and applies only to the first-year of your policy premium. Protectivity reserves the right to amend or withdraw this offer at any time. Available to UK residents only.
¹Based on live Feefo data