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Program Description

This insurance program has been specifically designed for U.S.-based martial arts schools and other organizations specializing in the instruction of martial arts.  For eligible martial arts schools or programs, coverage extends to the ownership, maintenance or use of the premise(s) reported to the Company as well as to your "Covered Operations".  Covered Operations consist of those operations and activities at your locations involving registered members/participants, under your direct supervision or organized by you, that have been reported to and approved by the Company, and for which the applicable premium has been paid.  As well as, off-site competitions, demonstrations, parades and fundraising activities, directly associated with those operations and activities at your location involving registered members/participants that are under your direct supervision, or organized by you; and ancillary events or activities at off-site locations involving registered members/participants under your direct supervision, or organized by you, that have been reported to and approved by the Company, and for which the applicable premium has been paid. 
 
In addition, coverage can be considered for birthday/social parties at your premises that are under your direct supervision or organized by you, that have been reported to and approved by the Company, and for which the applicable premium has been paid; as well as for, activities involving non-registered members/participants, under your direct supervision or organized by you, that have been reported to and approved by the Company, and for which the applicable premium has been paid; and tournaments or competitions hosted by you under your direct supervision or organized by you, that have been reported to and approved by the Company, and for which the applicable premium has been paid.
 

 
Eligible Operations
 
- Aikido - Kickboxing (cardio/fitness only)
- Brazilian jiu jitsu- Kickboxing (contact/sparring)
- Capoeira- Krav maga
- Chi kun- Kung fu
- Dim mak*- Mixed martial arts (ultimate/extreme/cage fighting)*
- Fitness boxing (non-contact)  -Savate*
-Goju-ryu-Sayoc kali*
-Haganah*-Shaolinquan
-Hapkido-Taekwondo
-Jeet kune do-Tai Chi
-Judo-Taijiquan
-Jiu Jitsu-Tang soo do
-Kali/escrima*-Thai boxing/muay thai*
-Karate
-Wushu
-Kenjitsu
       
Karate includes various styles such as:  Chito-ryu, Goju-ryu, Isshin-ryu, Shuri-ryu, Kyokushinkai, Seido juku, Keichu do, Keichu-ryu, Shorin-ryu, Shotokan, Shito-ryu, Uechi-ryu, Wado-ryu and Yoshukai karate
    
*Note:  Coverage for these styles apply only to instruction/training type programs.  Events/competitions/tournaments in which the insured's members participate with these styles are excluded and not covered under this program.
       
If the style of martial arts that you instruct is not listed, please contact us to inquire about eligibility.
       
Ineligible for this program:    
- The sport of boxing (contact/sparring)
- Training programs for law enforcement officials,
-
The sport of wrestling
​public safety and military personnel


- Trampoline parks/facilities


 
Coverages Available & Program Highlights
 
General Liability Non-Registered Member Activity Coverage
- Bodily Injury and Property Damage   (optional)
- Contractual Liability  
- Personal and Advertising Injury    Abuse & Molestation or Exploitation Defense Cost 
- Products and Completed Operations    Reimbursement (optional)
- Bodily Injury to Participants Liability
 
- Additional Insured Coverage for landlords included   Hosted Tournament Coverage (optional) 
- Coverage for off-site demonstrations, exhibitions and  
  participation in tournaments conducted by others included   Birthday Party Coverage (optional)
- Professional Liability    
- Medical Payments for Participants   Sexual Abuse or Sexual Molestation Liability
- Premises Liability   (optional)
- Hired Auto and Employers Nonowned Liability  
(Not available in IL, LA, UT, VT and WI)  Equipment and Contents Coverage (optional) 
  -Damage to Premises Rented to You

  - NEW Broadening Endorsement:  Emergency Real Estate

Consultant Fee; Key Individual Replacement Cost;

Termporary Meeting space; Workplace Violence Counseling;
Identity Theft Exposure; Lease Cancellation Moving
Expense; Terrorism Travel Reimbursement
     
   
Notable Exclusions
​ ​ ​ ​
​-​Abuse, molestation or exploitation
-​Specified recreational vehicles and activities - Aircraft/hot air
​-​Acupuncture and acupressure
balloon, Airport, Amusement device: the ownership, operation,
​-Asbestos
maintenance or use of any device or equipment a person rides
​-Bodily Injury to participants while in a hired auto or non-owned
for enjoyment, including, but not limited to: mechanical or 

auto

non-mechanical ride, slide or water slide (including any ski or tow
​   -
Cap on losses from certified acts of terrorism

when used in conjunction with a water slide), inflatable 
​   -
Childcare/babysitting services
recreational device, or vertical device or equipment used for 
​   -
Climbing walls exceeding ten (10) feet with no safety harness
climbing, whether permanently affixed or temporarily erected.
system, unless reported to and approved by us
This exclusion does not apply to video or computer games, or
​   -
Commercial general liability standard exclusions
any device that is specifically designed for the training or 
(CG0001 4/13 edition)

instruction of the activity for which you are enrolled, 
   ​-Communicable diseases

Animal, Bungee, Dunk tank, Haunted attractions,
​   -
Crossfit® affiliate owners and/or CrossFit® programs/activities

​Performers (injury or death to any performer or entertainer
​   -Cryogenic chambers/therapy
​during any activity, event or exhibition, including but not
​   -Cyber incident, data compromise, and violation of statutes

​limited to any stunt, concert, show or theatrical event.

related to personal data

​This exclusion does not apply to participants in any activity,
​   -
Cycling (other than stationary)

​event or exhibition that are part of the designated operations
​   -Employment related practices

​for which you are enrolled) Rodeo, Saddle animal, Snowmobile
   ​-Fireworks
​-
​Sports/rehabilitation services/therapy
​   -Fungi or bacteria
​-
Swimming pools
   ​-Instruction/activities held on or in open water
​-The sale or distribution of herbal, medicinal and/or

(e.g.: lakes, ponds, ocean)

​nutritional products
   ​-Lead
​-
​Those operations listed as ineligible
   ​-Massage therapy
​-
Total pollution with a building heating, cooling & dehumidifying
​   -
Medical, therapy or health care services
equipment exception and hostile fire exception
   ​-Multi-passenger vehicles
-​​Tournaments or competitions involving the following styles:
​   -   
Non-registered participants at event/tournaments hosted by

Muay Thai-Thai boxing, kali/escrima, Savate, Sayoc kali, ​

the named insured
​Dim mak, Haganah, full contact and submission mixed martial
   -
Nuclear energy

​arts, including but not limited to: cage events, extreme
​   -
Parkour, obstacle course, ninja, free-running, tricking, urban

​fighting and ultimate fighting

gymnastics, extreme tumbling or any similar type programs
​-
Unmanned aircraft
​   -
Salon services or indoor tanning
​-
​Use of projectile weapons including, but not limited to
​   -
​Saunas, steam rooms, jacuzzis, hot tubs, shirlpools or spas
firearms and tasers, and defense sprays​
​   -
​Sexually transmitted diseases
​-
​Use of sharpened/bladed weapons
​   -
​Silica or silica-related dust

 
 
 
Preliminary Underwriting Information Required
 
- Applications    
- Coverage will be bound for your requested dates upon receipt and approval of your completed enrollment form and payment
 
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