Martial Arts Instructor Insurance
Expert Martial Arts Instructor Insurance, Combining Public Liability & Professional Indemnity
#MartialArtsDoneRight Martial Arts Instructor Insurance provides flexible and affordable cover – with both annual and monthly payment options – for instructors from more than 150 styles and disciplines.
Our instructor insurance includes martial arts instructor Public Liability and Professional Indemnity insurance as standard, as well as a number of other key inclusions to ensure you get your Instructor Insurance Sorted.
We’re not an insurer and we’re not an association, so you can access the sound guidance from our industry experts for all your martial arts insurance questions without worrying about the politics and membership requirements of associations and NGBs.
Our cover is designed to be inclusive, flexible and accessible so you can get on with the teaching you know best.
Costs & Charges
We’re pleased to be able to offer access to one of the UK’s most inexpensive options for martial arts instructor insurance, thanks to our group’s buying power and our not-for-profit nature.
What Cover Do We Provide?
As standard, for all of our martial arts instructor insurances, we provide;
Instructor Public Liability
Public Liability is considered a core martial arts instructor insurance. Cover is available at £2,000,000, £5,000,000 or £10,000,000.
In a nutshell, it provides cover for your legal liability to pay compensation to third parties for bodily injury and/or damage to property as the result of a negligent act by the Insured arising out of the instruction of martial arts.
Instructor Professional Indemnity
Cover for claims against an instructor based upon professional advice given – for example, specific guidance on how to roll etc, rather than an injury arising from their supervision of a class. This could also include unintentional infringement of intellectual property rights, loss of documents or data in your trust, unintentional defamation, libel or slander, unintentional breach of confidence, confidential duty or misuse of information or bad advice on websites & social media.
£1,000,000 Professional Indemnity (PI) is included free of charge with your cover.
Available as optional extras, such you wish;
Instructor Personal Accident
Personal Accident (PA) insurances provides cover as per the schedule for any injury arising from a specific event whilst participating in a BMABA club, or as a BMABA instructor where there is no negligence responsible.
This might include, for example, physiotherapy costs or loss of income, upto the benefit amount, if you as an instructor are injured whilst teaching a class.
Contents & Equipment Insurance
This provides cover for contents and equipment. This might be crash mats, focus mitts, specialist self defence equipment or it could cover things like the computers and tables in your gym or reception area.
Abuse extension is a very specialist type of cover, and it’s only available from a very few select insurers. Abuse Extension (AE) provides cover for defence of the named instructor if there is an allegation of abuse made against them. This wouldn’t be covered under usual PL or PI, so provided an additional level of support to the instructor.
Frequently Asked Questions & Answers
About Our Martial Arts Insurance
How Soon After Purchasing Can Insurance Go Live?
We provide immediate confirmation of ‘on-risk’ status (on-risk means the insurance is live). This is because our system allows you to automatically set up membership with #MADR (us) through which the insurance is accessed. Our Group Cover Policy always has allocations ready and waiting, so you can covered immediately.
Can I Teach Online Either Live Or Pre-Recorded With This Insurance?
Yes, and it doesn’t cost anything extra.
There are some key conditions that you must be able to meet;
at the commencement of the session, advise participants:
- that by participating they are doing so at their own risk;
- a suitable, non-slip floor space is required and any potential obstructions in the vicinity are removed before they participate;
- to avoid activities if they have, or suspect they may have any current health concerns, injuries, aches and pains;
- avoid the use of blades, weapons or sharp instruments of any description;
- avoid physical contact with other participants and where appropriate, adhere to social distancing guidelines;
ensure that sessions are conducted for the benefit of existing members/participants/contacts only who have demonstrated sufficient suitability to participate;
continue to only instruct activities in which you are qualified to do so;
record the session. Retaining the recording for a period of up to thirty-six (36) months may assist in any claim made against you;
Do I Have To Provide Proof Of Grade Or Qualifications?
No, you don’t. Our Group Cover Policy doesn’t require this because we are not a sanctioning body or governing body. Just because we don’t check you have the relevant grades or qualifications in place it is really, really important you are completely honest throughout your application and that you are able to demonstrate compliance with all of the policy requirements (see below) to ensure your claim is paid if you need to.
What's The Catch?
We know. Always a little ‘too good to be true’ when you find comprehensive cover available at competitive pricing. We’re a social enterprise, which means we invest all of our profits back into the UK Martial Arts sector through our various organisations. This helps us focus on keeping costs down, as we see #MartialArtsDoneRight as an essential part of our plan in ensuring key provisions are available to everyone.
Who Underwrites The Insurance?
All of our cover is underwritten by XL Catlin via our specialist group cover policy. You can (and definitely should) read the policy wording in full below. Please remember that this document relates to our entire #MartialArtsDoneRight group cover policy which covers many different aspects of cover. Not all of this will be applicable to the cover you take out when you enrol with us, so please check the relevant sections within the policy wording.
How Is The Cover Provided & What Is 'Scheme Enrolment' All About?
As you will have read already, we are not an insurer, nor are we an association. In the insurance sector (and indeed the entire finance sector) the industry regulator, the FCA (Financial Conduct Authority) overseas all insurers and insurance intermediaries (brokers and the likes).
We felt that setting up as an appointed representative would restrict our ability to flex and move to the industry’s needs so instead we’ve set up a Group Cover Policy. This works in exactly the same set up to that of many National Governing Bodies (NGBs) and Associations.
We are the policy holder, and allocate cover to ‘members’ as and when they enrol onto our membership programme. Just to be clear – membership is to the #MartialArtsDoneRight initiative / scheme and is a technicality of how we can effectively offer you access to insurance. It also means we can support you with advice and guidance on a whole-manner of things after your cover and membership go live.
There’s no cost to the membership with us; it’s inclusive already in any insurance fees payable for the insurer.
Are There Any Requirements To Cover?
Martial arts insurance – like all insurance – comes with certain conditions and requirements. Because we’re not an association we won’t check you for eligibility – but you must have the following in place for the insurance to be current. If it isn’t, you’ll likely find your claim is rejected. The requirements are basic industry standards, and we can help you with the provisions if you don’t have everything in place.
- If you’re teaching children or adults at risk, you’ll need to hold an enhanced DBS check dated within the last 3 years.
- You’ll need to be able to proof first aid training / certification to a suitable level.
- You’ll need to hold a Black belt (1st Dan) or equivalent (where practicing ungraded styles, like MMA or Muay Thai) and you’ll need to be able to demonstrate this in the event of a claim.
- You will need to conduct a risk assessment for all of your classes before teaching.
- If you have a criminal record or have been declared bankrupt, we can provide cover but you must contact us first. This is just a standard insurance clause which we can overcome on a case by case basis.
- You must ensure that suitable safety equipment is used at all times during lessons, classes and events and a fire risk assessment must be conducted on all premises used for lessons/events and fire evacuation procedures made clear. There must always be a qualified, DBS checked (where required), first aid trained instructor in the club at all times.
- You’ll need to meet everything in the policy wording (see the box to the left) per the standard insurer wording.
- You must not have been declared bankrupt or had any other county court judgements (CCJs) or insolvencies to your name.
Styles & Weapons We Can Cover
|Aiuchi Ju Jitsu|
|Aiwakai Karate Do|
|Ba Ji Quan and Tai Chi|
|Bataireacht (Irish Stick Fighting)|
|Bokh (Mongolian Wrestling)|
|Brazilian Ju Jitsu (BJJ)|
|British Combat Judo|
|British Folkstyle Wrestling|
|Bujinkan Budo Tai Jutsu|
|Canne de Combat|
|Choy Li Fut|
|Choi Kwang Do|
|Close Protection Training|
|Close Quarter Combat (CQB)|
|Daido Juku Kudo|
|Daito-ryu Aiki Jujitsu|
|Drunken Fist (Zui Quan)|
|Eagle Claw Kung Fu|
|Filipino Martial Arts|
|Fitness Orientated Kickboxing|
|Freestyle Karate Jutsu|
|Freestyle Kung Fu|
|Fu Jow Pai|
|Goju Kai Karate Do|
|Goju Ryu Karate|
|Goshin Ryu Kempo Jujitsu|
|Han Mu Do|
|Historical European Martial Arts (HEMA)|
|Hwa Rang Do|
|Jado Kuin Do|
|Japanese Shotokan Karate|
|Jeet Kune Do|
|Jikiden Eishin Ryu Iaido|
|Jun Fan Gung Fu|
|Jun Fan Jeet Kune Do|
|Kaze Arashi Ryu|
|Kuk Sool Won|
|Kung Fu To’a|
|Lau Gar Kickboxing|
|Lau Gar Kung Fu|
|Lee Style Tai Chi|
|Leopard Kung Fu (Bao Quan)|
|Marine Corps Martial Arts Program (MCMAP)|
|Martial Arts Based Fitness|
|Martial Arts Wrestling|
|Military Martial Arts|
|Mixed Martial Arts (MMA)|
|Monkey Kung Fu (Hou Quan)|
|Nearu Martial Art|
|Nihon Goshin Ju Jitsu|
|North West Chinese Kickboxing|
|Qi Kwan Do|
|Qwan Ki Do|
|Reality Based Martial Arts|
|Russian Martial Arts|
|Sanjuro Martial Arts|
|Seiki Juku Karate|
|Shaolin Kempo Karate|
|Shaolin Kung Fu|
|Shindo Jinen Ryu|
|Shotokan Goju Ryu|
|Soo Bahk Do|
|Sport Boxing (Martial Arts Based)|
|Tai Chi Chuan|
|Tang Soo Do|
|Tiger Claw Kung Fu (Fu Jow Pai)|
|Traditional Italian Martial Arts|
|Traditional Wado Ryu|
|Viet Vo Dao|
|Wado Ryu Karate|
|Wing Chun Kung Fu|
|World Tang Soo Do|
|Zen Shin Karate|
|3 Section Staff|
|Blunted Metal Sabre|
|Bow & Arrow**|
|Butterfly Knives (No Live Blades)|
|Cosh (Blunted Blade Only)|
|Dagger (Blunted Blade Only)|
|Dan Bong (Short Sticks)|
|Iaito (Practice Only)|
|Kama (Blunted Blade Only)|
|Katana (Blunted Blade Only)|
|Knives (Blunted Metal)|
|Kunai (Blunted Blade Only)|
|Naginta (Blunted Blade)|
|Plastic Weapons (No Live Blades)|
|Practice Sword (No Live Blades)|
|Rokushaku Bo (Japanese Staff)|
|Shinai (Blunted Blade Only)|
|Shuko (Demonstration Only)|
|Swords (Blunted Metal)|
|Tai Chi Sword (Blunted Blade Only)|
|Training Knife (No Live Blades)|
|Training Swords (No Live Blades)|
|Training Weapons (No Live Blades)|
|Wing Chun Pole|
|Wooden Weapons (No Live Blades)|
Beautiful, Clear PDF Certification To Help You Satisfy Venues & Local Authorities
We know it’s important to not only have the right cover in place, but also to ensure it’s clear to third parties too. Every #MartialArtsDoneRight policy comes with a scheme enrolment certificate to confirm your membership to the #MADR scheme through which the insurance is provided, along with a certificate of insurance confirmation, an inception letter and a full schedule of cover.
All documentation is available for PDF viewing, download or sharing as standard.
Need A Little Help?
We know insurance is never an easy one to conquer – that’s why we set up the #MartialArtsDoneRight scheme in the first place.
We’re here to help with any questions around suitability, pricing, logistics or anything else. We can help you move away from an existing provider and we can provide bespoke pricing and set up for clubs with more complex needs. All advice is impartial and confidential.