Why do Martial Arts Teachers need Insurance?

Whether its kickboxing in a martial arts studio or Tai Chi in a public park, teaching martial arts to students of all ages and fitness levels brings with it a certain degree of risk. Your students entrust you with their wellbeing and safety, and you owe them a duty of care to take reasonable steps to shield them from harm in your class. So, you should be prepared in the event something goes wrong,or is even perceived to go wrong.  

That’s why as a martial arts teacher, making sure you have the right insurance in place to protect your business is one of the most important decisions you will need to make to keep your business fighting fit. And fortunately, there are a variety of insurance products designed to  ensure you can perform your classes with a totally Zen mind. 

It’s important to note that most employers, including gyms and studios, require you to have your own insurance in place, and insurance is usually a prerequisite for obtaining a council permit to be able to work in public outdoor spaces. 

Insurance for Martial Arts Teachers

Professional Indemnity Insurance*

However careful you may be there is always the unfortunate chance that things won’t go quite to plan – mistakes happen, and accusations can be made. For instance, providing incorrect fitness advice which results in your client’s injury could lead to a claim being made against you.   

Having Professional Indemnity insurance can help you respond to claims made against you or your business for losses incurred as a result of actual or alleged negligent acts or omissions in the provision of your professional martial arts service or advice. The policy will cover compensation payable to third parties together with your defence costs (which will include reasonable legal costs, investigation costs and court fees). 

Public Liability Insurance*

There’s no disputing that you spend a lot of time with your clients – whether in a dojo or somewhere else. Either way, Public Liability insurance is important for martial arts trainers by providing protection for you and your business in the event a student, supplier or a member of the public is injured or sustains property damage as a result of your negligent business activities. 

It can provide protection for a variety of incidents, for example, if a student trips over a piece of training equipment and fractures their wrist, or you accidentally break an expensive mirror lining the walls of the studio you’re teaching in, your Public Liability policy will give you peace of mind. 

Business Insurance*

An essential element of running your own martial arts training business is not only having the relevant qualifications to provide training programs, but also having the right equipment to do so. 

That’s why it is important to protect all the key things that make your business run smoothly with a Business Insurance policy. 

There are a number of different cover options for you to choose from, depending on your business needs. Here are a few for you to consider: 

• Portable Equipment Insurance* covers the cost to replace or repair your portable martial arts training equipment if it’s lost, stolen or damaged anywhere within Australia. 
• Building Insurance* covers the cost of repairing or rebuilding business premises (that you own) as a result of insured events, such as fire, storm and other perils. 
• Business Interruption Insurance*  cover for financial loss as a result of an interruption to your business caused by an insured event.