Martial Arts Instructor Insurance

If you run a professional Karate or Martial Arts class, you must consider the risk of liability. What would you do if a participant got injured? If you work as a contracted instructor at a dojo, how would you handle damage to the facility during a session? These situations clearly show why liability insurance is essential for Karate and Martial Arts instructors.

As an instructor, your students trust you to lead safe, effective classes and to help them build a disciplined, active lifestyle. However, the physical nature of Martial Arts means each session carries some risk. You could face liability for injuries, property damage, or negligence. Public liability insurance protects you from these claims and allows you to focus on teaching with confidence.

Martial Arts School Insurance provides coverage for instructors and supervisors involved in Karate and Martial Arts activities. This insurance offers protection against unexpected injuries or damages that may occur during your classes. If a participant gets injured and requires medical treatment or therapy, the policy can help cover those costs if a lawsuit is filed against you.

Committed to the highest standards of ethics and integrity, Martial Arts School Insurance takes pride in offering some of the most comprehensive plans available. To qualify for coverage, you must be at least 18 years old and reside in the United States. Request a quote today!

All Karate and Martial Arts instructors must carry liability insurance. This essential coverage protects you if a student or participant gets injured and files a lawsuit against you. Your insurance policy can cover legal costs and qualifying claims, helping you avoid significant financial losses.

If you work as a 1099 contractor, check with the dojos or martial arts schools where you teach. Many facilities extend their liability coverage to independent instructors, but it’s crucial to confirm this directly with each dojo.

Review your teaching agreements carefully—some facilities may require you to carry a specific level of liability insurance. If needed, you can purchase higher liability limits to meet those requirements.

Additionally, some martial arts instructors choose to add Sexual Abuse and Molestation (SAM) coverage to their policies. This optional protection offers peace of mind and legal support in the event of allegations, especially given the close-contact nature of martial arts instruction.

At Martial Arts School Insurance, we provide affordable liability insurance specifically designed for Karate and Martial Arts instructors. Our policies come with no deductible, making it easier to handle claims without unexpected out-of-pocket expenses.

We offer comprehensive liability coverage with optional add-ons, allowing you to customize your policy based on your specific needs and risks. Rates for certified Karate and Martial Arts instructors start at just $140–$165 per year, making professional protection both accessible and budget-friendly.

When you apply:

On the first page of the application, you will be asked to select what type of instructor you are. Choose Martial Arts (Karate, Kung Fu, Krav Maga, Judo, Jiu Jitsu, Taekwondo, and Tai Chi instructors only).

Also, the application will ask you if you are certified, and what your certification number is. Since Karate and Martial Arts Instructor certification is via a license, there is no number associated. So, when prompted to enter your certification number, simply enter 12345.