Martial Arts Schools & Programs - Academic Health Plan

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". Coverage 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 call 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		Optional Coverages
-	Bodily Injury and Property Damage	-	Non-registered Member Activity Coverage
-	Contractual Liability	-	Abuse, Molestation or Exploitation
-	Personal and Advertising Injury		Defense Cost Reimbursement
-	Products and Completed Operations	-	Hosted Tournament Coverage
-	Bodily Injury to Participants Liability	-	Birthday Party Coverage
-	Additional Insured Coverage for landlords included	-	Sexual Abuse or Sexual Molestation Liability
-	Coverage for off-site demonstrations, exhibitions and	-	Equipment and Contents (Inland Marine)
	participation in tournaments conducted by others
	included
-	Professional Liability
-	Medical Payments for Participants
-	Premises Liability
-	Hired Auto and Employers Nonowned Liability
	(Not available in IL, LA, UT, VT and WI)
-	Damage to Premises Rented to You
-	NEW Broadening Endorsement: Emergency Real Estate
	Consultant Fee; Key Individual Replacement Cost;
	Temporary 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,
-	Asbestos		operation, maintenance or use of any device or equipment a
-	Bodily Injury to participants while in a hired auto or		person rides for enjoyment, including, but not limited to:
	non-owned auto		mechanical or non-mechanical ride, slide, or water slide
-	Cap on losses from certified acts of terrorism		(including any ski or tow when used in conjunction with a
-	Childcare/babysitting services		water slide), inflatable recreational device, or vertical device
-	Climbing walls exceeding ten (10) feet with no safety harness		or equipment used for climbing, whether permanently
	system, unless reported to and approved by us		affixed or temporarily erected. This exclusion does not apply
	that is specifically designed for the training or instruction		to video games or computer games, or any device that is
	of the activity for which you are enrolled		specifically designated for the training or instruction of the
-	Animals - injury or death to, or injury, death or property		activity for which you are enrolled, Animal, Bungee, Dunk
	damage caused by animal owned, rented or hired by you		tank, Haunted attractions, Performer (injury or death to any
-	Asbestos		performer or entertainer during any activity, event or
-	Childcare/babysitting services		exhibition including but not limited to any stunt, concert,
-	Climbing walls exceeding ten (10) feet with no safety		show or theatrical event. This exclusion does not apply to
	harness system, unless reported/approved by us		participants in any activity, event or exhibition that are part
-	Commercial general liability standard exclusions		of the designated operations for which you are enrolled)
	(CG0001 04/13 edition)		Rodeo, Saddle animal, Snowmobile
-	Communicable diseases	-	Sports rehabilitation services/therapy
-	Crossfit® affiliate owners and/or CrossFit®	-	Swimming pools
	programs/activities	-	The sale or distribution of medicinal, herbal and/or
-	Cryogenic chambers/therapy		nutritional products
-	Cyber incident, data compromise, and violation of statutes	-	Those operations listed as ineligible
	related to personal data		Total pollution with a building heating, cooling &
-	Cycling (other than stationary)		dehumidifying equipment exception and hostile fire exception
-	Employment related practices	-	Tournaments or competitions involving the following styles:
-	Fireworks		muey thai/thai boxing, kali/escrima, savate, sayoc kali,
-	Fungi or bacteria		dim mak, haganah, full contact and submission mixed martial
-	Instruction/activities held on or in open water (e.g.: lakes,		arts, including but not limited to: cage events, extreme
	ponds, ocean)		fighting and ultimate fighting
-	Lead	-	Unmanned aircraft
-	Massage therapy	-	Use of projectile weapons including, but not limited to
-	Medical, therapy or health care services		firearms and tasers, and defense sprays
-	Multi passenger vehicles	-	Use of sharpened/bladed weapons
-	Non-registered participants at at events/tournaments hosted
	by the named insured
-	Nuclear energy
-	Parkour, obstacle course, ninja, free-running, tricking, urban
	gymnastics, extreme tumbling or any similar type programs
-	Salon services or indoor tanning
-	Saunas, steam rooms, jacuzzis, hot tubs, whirlpools or spas
-	Sexually transmitted disease
-	Silica or silica-related dust


Preliminary Underwriting Information Required

-	Application
-	Coverage will be bound for your requested dates upon receipt and approval of your completed enrollment form and payment

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