Martial Arts Club Insurance

Specialist insurance for martial arts clubs, academies and dojos across the UK

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Specialist Martial Arts Club Insurance for UK Combat Sports

Martial arts clubs face a significantly higher risk profile than many other sports organisations. Full-contact training, sparring, throws, joint locks, strikes and weapons practice all increase the likelihood of injury, liability claims and disputes.

Whether you operate a traditional dojo, commercial academy, community club or competition-focused gym, having the correct martial arts club insurance is essential to protect instructors, students, volunteers, spectators and the business itself.

Insure24 arranges specialist martial arts insurance for UK clubs covering a wide range of disciplines, including karate, taekwondo, judo, jiu-jitsu, aikido, kung fu, kickboxing, boxing-based martial arts, MMA training (non-professional), self-defence classes and mixed programmes.

What Does Martial Arts Club Insurance Cover?

  • Public Liability Insurance – injury or property damage claims from students, parents, visitors or spectators
  • Employers’ Liability Insurance – legal requirement if you employ instructors, assistants or use volunteers
  • Professional Indemnity Insurance – claims arising from instruction, coaching or advice
  • Participant Injury & Personal Accident – support for accidental injuries during training and sparring
  • Equipment & Contents Insurance – mats, pads, weapons, protective gear and training equipment
  • Premises & Dojo Insurance – cover for leased or owned training facilities
  • Management & Committee Liability – protection for directors, trustees and senior instructors
  • Events, Gradings & Competitions – seminars, grading days, demonstrations and tournaments

Why Martial Arts Clubs Need Specialist Insurance

Martial arts training involves controlled physical contact, but injuries can still occur even when best practice and safety protocols are followed. Claims may arise from sprains, fractures, dislocations, concussions or long-term joint injuries.

In addition to participant risk, clubs may face allegations of negligent instruction, inadequate supervision, unsafe training environments or failure to follow safeguarding procedures.

Standard sports insurance often excludes combat sports. Specialist martial arts club insurance ensures that cover is valid for contact activities, sparring, throws, grappling and discipline-specific risks.

Who Is Martial Arts Club Insurance For?

  • Traditional martial arts dojos and schools
  • Commercial martial arts academies
  • Youth and junior martial arts clubs
  • Community and not-for-profit clubs
  • Mixed-discipline training centres
  • Self-defence and personal protection classes
  • Fitness-based martial arts programmes

How Much Does Martial Arts Club Insurance Cost?

The cost of martial arts club insurance depends on the discipline taught, level of contact, number of students, age groups, instructor qualifications, premises usage and claims history.

Lower-risk non-contact or light-contact classes may attract lower premiums, while full-contact or competition-focused training typically requires more specialist underwriting.

Insure24 works with insurers experienced in combat sports to secure realistic, sustainable cover rather than generic policies that may fail at claim stage.

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Martial Arts Club Insurance – FAQs

+-Is martial arts club insurance compulsory?

Public liability insurance is usually required by venues, councils and governing bodies. Employers’ liability is legally required if you employ instructors or use volunteers.

+-Does insurance cover full-contact sparring?

Yes, provided full-contact activities are disclosed and accepted by insurers at policy inception.

+-Are instructors personally protected?

Yes. Professional indemnity and liability cover protects instructors against claims relating to coaching.

+-Does cover apply to children and juniors?

Yes. Policies can include junior classes, subject to safeguarding and supervision requirements.

+-Are weapons training sessions covered?

Certain weapons training may be covered if declared in advance. This must always be disclosed.

+-Are grading events and seminars covered?

Yes. Gradings, seminars and demonstrations can be included within your policy.

+-Can I insure rented training halls?

Yes. Public liability cover applies while using hired venues such as schools or leisure centres.

+-How quickly can cover start?

Cover can often be arranged within 24 hours, subject to underwriting and payment.

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