Question 1

What insurance does a martial arts instructor need?

Accepted Answer

The appropriate insurance depends on the instructor’s activities, working arrangements, martial arts styles and whether they are teaching independently or through a club or association.Martial arts instructor indemnity available through MAGB includes public, professional and product liability, subject to the policy terms, conditions, limits and exclusions.Speak to MAGB if you are unsure which route applies to you.

Question 2

What does a martial arts student licence cover?

Accepted Answer

The insurance attached to an eligible martial arts student licence includes member-to-member liability, public liability and general third-party liability.Full-contact competition is included as standard, along with MMA and weapons. Optional personal accident cover is also available.All cover remains subject to the policy terms, conditions, limits and exclusions.

Question 3

Are full-contact competition, MMA and weapons included?

Accepted Answer

Yes. Full-contact competition is included as standard with the martial arts student licence cover. MMA and weapons are also included.You must provide accurate information about the styles, contact levels, weapons and activities involved when arranging insurance.All cover remains subject to the policy terms, conditions, limits and exclusions.

Question 4

Do I need risk assessments for martial arts insurance?

Accepted Answer

Yes. The underwriter expects clubs and instructors to have suitable and up-to-date risk assessments in place.Your risk assessments should reflect your actual classes, premises, students and activities, including the level of contact and any equipment or weapons used. They should be reviewed regularly and whenever something material changes.A generic risk assessment that does not reflect how your club operates is unlikely to demonstrate that its specific risks have been properly considered.

Question 5

Can MAGB arrange insurance for a martial arts association?

Accepted Answer

Yes. MAGB works with martial arts associations, federations and multi-site groups.The arrangement will depend on the number of instructors and members, the activities undertaken and how the association wants its records, certificates and renewals administered.

Question 6

Do I need separate insurance for a martial arts event?

Accepted Answer

Do not assume that ordinary club or instructor cover automatically extends to a martial arts event.Competitions, tournaments, seminars, fight nights and other events may require specific event liability insurance. Speak to MAGB before the event so that the activities can be considered and the appropriate cover arranged.

Frequently Asked Questions