Martial Arts Studio Business Insurance Coverage Checklist
The coverages a martial arts studio business business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for martial arts schools. Priorities reflect typical exposure; confirm against sparring, after-school programs, and events.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| General & Professional Liability | Covers sparring and training injuries — confirm contact sports aren't excluded. | Core | |
| Abuse & Molestation | Covers abuse allegations involving minors — frequently excluded or sublimited; confirm the limit. | Core | |
| Commercial Auto / Hired & Non-Owned | Covers after-school pickup vans. | Situational | |
| Participant Accident | Pays participants' medical bills regardless of fault, reducing lawsuits. | Prevalent | |
| Workers' Compensation | Required in most states for employees. | Core |
The coverage gap most often missed
The most commonly missed gap for this class is coverage for contact training and after-school transport. Some general liability forms exclude sparring or combat sports, and after-school programs that pick children up in vans need commercial auto. Studios should confirm contact training is covered, remove students with suspected concussions until cleared, and insure every pickup vehicle properly.
Send us the checklist and we'll review your martial arts studio business coverage line by line, then market it across multiple carriers that compete for your account.
Related: Martial Arts Studio Business Insurance · Martial Arts Studio Business Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a martial arts studio business business need?
The core coverages for a martial arts studio business business are General & Professional Liability, Abuse & Molestation, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my martial arts studio business coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.