Martial Arts Fitness Insurance

To be covered under our martial arts fitness insurance, you typically need a recognised fitness qualification plus specific training in martial arts fitness instruction. Acceptable qualifications often include Level 2 Fitness Instructor or Level 3 Personal Trainer certifications combined with specialist qualifications such as cardio kickboxing, or similar martial arts fitness specialisations from reputable providers like CIMSPA (Chartered Institute for the Management of Sport and Physical Activity).

Our standard Martial Arts Fitness Insurance primarily covers fitness classes that incorporate martial arts techniques rather than traditional martial arts training focused on combat skills or belt progression. If you teach both fitness-oriented and traditional martial arts classes, you should discuss this with our team to ensure appropriate coverage.

If a client sustains an injury during your class and subsequently makes a claim against you, your public liability and malpractice insurance would typically respond to the situation. You should notify us as soon as possible after becoming aware of a potential claim, even if you believe you weren’t at fault.

Our claims team will guide you through the process, which usually involves providing details of the incident, relevant documentation about the client’s participation, and information about your qualifications and the instruction provided.

Our Martial Arts Fitness Insurance covers standard martial arts fitness techniques commonly used in fitness-focused classes. However, particularly high-risk elements might require additional consideration. Generally, techniques that focus on fitness benefits rather than combat effectiveness are covered, provided you have appropriate qualifications.

If your classes include techniques or equipment that carry elevated risks, such as heavy contact work or advanced aerial movements, you should disclose these elements when purchasing your policy. In some cases, additional premium might apply for higher-risk activities, or we might need to establish that you have specific qualifications for teaching these techniques.

Yes, our policies can cover virtual instruction, which has become increasingly important in the contemporary fitness landscape. However, there are important considerations for teaching martial arts fitness online.

When conducting virtual classes, you should maintain the same professional standards as in-person instruction, including proper screening of participants, clear safety instructions, and appropriate modifications for different ability levels. We recommend keeping recordings of your online sessions for a reasonable period and having participants complete health questionnaires before joining.

Your basic liability policy doesn’t automatically include coverage for your martial arts fitness equipment. However, you can add contents insurance to your policy to protect your equipment against damage, loss, or theft. This optional cover is particularly valuable for instructors with significant investment in specialised gear such as punching bags, pads, mats, and audio/visual equipment.

When selecting equipment coverage, you’ll need to provide an accurate valuation of your items and specify whether they’re stored at a fixed location or transported between venues. For mobile instructors, it’s important to ensure your policy covers equipment while in transit and temporarily stored at different locations.