Martial Arts School and Studio Insurance Program Details

Below are the details or the “fine print” of the policy. If you would like to speak with licensed agent about Martial Arts School or Studio Insurance policy details, please call (877) 811-2271.

The Accident Coverage

The Accident Coverage ($100,000.00 Benefit) pays the medical bills of an injured student, owner or staff member.

Who Is Covered

All participants in the covered activity; including members, coaches, managers, or volunteers of the policyholder.

Covered Activity

Coverage is provided for insureds while taking part in scheduled practices, tournaments, and competitions, and group travel to or from such activities as a member of the insured Martial Arts Studio.

Medical Expense Benefit

Benefit amount is $100,000.00. If the Covered Person incurs eligible expenses as the direct result of a covered injury and independent of all other causes, the Company will pay the charges incurred for such expense within 365 days, beginning on the date of accident. Payment will be made for eligible expenses in excess of the applicable Deductible Amount of $250.00, not to exceed the Maximum Medical Benefit. The first such expense must be incurred within 90 days after the date of the accident. “Eligible expense” means charges for the following necessary treatment and service, not to exceed the usual and customary charges in the area where provided.

Excess coverage: This plan does not cover treatment or service for which benefits are payable or service is available under any other insurance or medical service plan available to the Covered Person.

Accidental Death and Dismemberment Benefit

Benefit amount is $50,000.00. If a covered injury results in any of the losses specified below within 365 days after the date of the accident, the Company will pay the applicable amount:

  • Full Principal Sum for loss of life
  • Full Principal Sum for double dismemberment
  • Full Principal Sum for loss of sight of both eyes
  • 50% of the Principal Sum for loss of one hand, one foot, or sight of one eye
  • 25% of the Principal Sum for loss of index finger and thumb of same hand

“Member” means hand, foot, or eye. Loss of hand or foot means complete severance above the wrist or ankle joint. Loss of eye means the total, permanent loss of sight. We will not pay more than the Principal Sum for this Benefit for all losses due to the same accident.

Exclusions and Limitations

This plan does not cover any loss to or resulting from:

  • Suicide, self-destruction, attempted self-destruction or intentional self-inflicted injury while sane or insane.
  • War or any act of war, declared or undeclared.
  • Sickness, disease or any bacterial infection, except one that results from an accidental cut or wound or pyogenic infections that result from accidental ingestion of contaminated substances.
  • Voluntarily taking any drug or narcotic unless the drug or narcotic is prescribed by a Physician.
  • Covered Expenses for which the Covered Person would not be responsible in the absence of this Policy.
  • Injuries paid under Workers’ Compensation, Employer’s liability laws or similar occupational benefits or while engaging in activity for monetary gain from sources other than the Policyholder
  • Injury caused by, contributed to or resulting from the Covered Person’s use of alcohol, illegal drugs or medicines that are not taken in the dosage or for the purpose as prescribed by the Covered Person’s Physician.
  • Service or Active Duty in the armed forces, National Guard, military, naval or air service or organized reserve corps of any country or international organization.
  • Services or treatment rendered by a Physician, Nurse or any other person who is employed or retained by the policyholder; or an Immediate Family member of the Covered Person.
  • Treatment of a hernia, Osgood-Schlatter’s disease, osteochondritis, appendicitis, osteomyelitis, cardiac disease or conditions, pathological fractures, congenital weakness, whether or not caused by a Covered Accident.
  • Damage to or loss of dentures or bridges or damage to existing orthodontic equipment, except as specifically provided in this Policy.
  • Eyeglasses, contact lenses, hearing aids.
  • Travel or flight in or on any vehicle for aerial navigation, including boarding or alighting from: While riding as a passenger in any aircraft not intended or licensed for the transportation of passengers.

Note: Certain exclusions and limitations may be modified to meet individual state requirements. A separate program is available for amateur and professional bouts mandated by state athletic commissions. Payment through Visa, Mastercard or a flexible financing payment plan available upon request.

The Liability Coverage

$1,000,000.00 Coverage (Protects you in the event of a lawsuit or property damage)

Who Is Covered

This general liability program provides protection for your martial arts school,owners,directors, instructors, and employees against claims of bodily injury liability, property damage liability, personal and advertising injury liability, and the litigation costs to defend against such claims. There is no deductible amount for this coverage.

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)
  • General negligence claims
  • All activities necessary or incidental to conduct 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.

Exclusions

Abuse or molestation, aircraft, all acts of terrorism, asbestos liability, assault and battery, collapse of temporary structure, owned auto coverage, employment related practices, fungi and bacteria, hepatitis, HIV, HTVL, AIDS, transmissible spongiform encephalopathy, lead poisoning, medical payments, nuclear energy liability, professional liability, pyrotechnics activity, total pollution, war liability, and liability for occurrences prior to the effective date of coverage. All of the above are subject to the terms and conditions of the policy.

Note: There is no liability coverage for claims arising out of any of the following activities: All motor sports, ballooning, bungee jumping, cheerleading pyramids, gymnastics, inflatables, luge, mountain climbing, parachuting, polo, rock climbing, rodeo or any equestrian-related sports, sale/manufacture or distribution of any athletic equipment, skin diving, SCUBA diving, snow skiing, squash, tobogganing, use of saunas or other tanning devices, use of trampolines, water slides, white water rafting, water craft, or any saddle animal exposures.

Hired and non-owned automobile liability coverage may be added for an additional premium.

Note: Hired and non-owned automobile liability coverage provides protection for rented, borrowed and other non-owned vehicles driven on martial arts business.