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Martial arts instructor insurance
Martial Guard cover for martial arts instructors.
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Worldwide Public Liability Territorial limit for those temporarily on a journey or visit in connection with martial arts instruction activities
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Includes Health and Safety at Work legal defence
Why choose martial arts instructor insurance with Everywhen?
Peace of mind for martial arts instructors
Legal advice through a 24 hour legal helpline service included for those who opt for personal accident coverage.
Public and product liability
Public, product and contractual liability cover included as standard.
Personal accident insurance with 24/7 coverage option
Temporary Total Disablement cover, broken bones cover and *Up to 10 sessions, £350 max.
Range of martial arts insurance indemnity limits
Choose an indemnity insurance limit up to £10 million to suit the needs of your martial arts association.
What does martial arts instructor insurance cover?
Martial arts instructor insurance
Our Martial Guard Instructor policy is designed to cover the main liability insurance needs of a martial arts instructor. This includes public and products liability, as well as a 24-hour personal accident cover option, with weekly benefits of up to £500, broken bones cover and up to 10 physiotherapy sessions. Cover is on a ‘claims occurrence’ basis, meaning you are protected for incidents during your policy, even if the claim is made at a later date.
Tailored cover for martial arts
Our team has over 30 years' experience providing insurance solutions to martial arts instructors, clubs and associations. This expertise allows us to understand and identify the particular risks to which you are exposed and provide a wide range of policies that can be tailored to your needs.
Legal cover
Our instructor cover includes legal advice as standard, so you’ll be able to seek professional guidance if things go wrong. This policy also covers manslaughter defence costs up to £5,000,000 in any one period of insurance.
Please note we cannot provide cover for the following: advertising injury, libel and slander. Please check your policy documents for full details of exclusions of cover.
Contractual liability cover included as standard
Our Martial Guard Instructor policy offers cover in the event that you face a contract-related claim. If you issue contracts as part of your work as an instructor, contractual liability can help to protect you from liability claims and their financial repercussions.
How do martial arts insurance claims work?
When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.
Find your insurance documents and make sure you have all your information at hand, including your policy number.
Call the claims team on 0344 893 9500 and explain exactly what happened.
Provide photos if requested to help us understand what happened as quickly as we can.
What our customers are saying
Martial arts instructor insurance FAQs
Wondering about something? Don't worry, Everywhen is here to help. We've put together some common questions about martial arts instructor insurance cover to support you every step of the way.
No, our martial arts policies do not cover professional competitions.
All applicants must be over 18 years of age and have either a black belt or a teaching qualification. They must also be connected to a club or association.
This forms part of the group public and products liability policy and provides cover for one member to another member for negligent injury. This is not a form of personal accident insurance.
All disciplines and weapons that we cannot provide cover for are listed below:
Bajujitsu
Cage Fighting
Chin Na
Dim Mak
Disciplines using pressure points
Jobajitsu
Kalari
Kalaripayattu
Kyusho
Kyusho Ju Jitsu
Mixed martial arts including competitions
Musti Yudha
No connection to martial arts
Payattu
Shootfighting
Subajutsu
Thoda
Vajra Mushti
Declined weapons:
Japanese bows
Japanese long blow and arrows
Live bladed weapons
Shurieken
Group public liability provides indemnity for your legal liability for damages, including claimant legal costs arising out of accidental injury to any person (other than employees), accidental loss or damage to third party property, nuisance and trespass and member to member indemnity.
Instructor public and products liability provides a personal indemnity to an Instructor for liability arising from their instruction, demonstration or supervision of martial arts activity, including legal defense costs.
Yes, provided that a senior instructor can vouch for their experience.
We will cover activities which are described on your statement of fact.
Yes, the cover is personal to you as an instructor, but you have to be attached to an organisation.
You can login into your account using your username and password and access all of your policy documents free of charge, including your instructor liability certificate. If you require a password reset to your account please contact us.
Personal Accident cover provides a benefit (subject to the policy terms) if a member is injured whilst participating in Martial Arts regardless of negligence. Liability cover is an indemnity for Legal Liability.
For competitions/events organised by an Association/Club which is open for non-members to take part, the organising Association/Club is required to extend their cover for the duration of the competition/event. We will require the date, venue name, limit of indemnity and payment before cover can be issued.
The minimum age is 4 years, while the maximum age is 70 years. The maximum age will only apply to the Personal Accident policy.
It applies to members over 16 years of age only, unless the junior member is hospitalised. Benefit will be paid to the junior member for the period of the hospitalisation. The two-week excess period will apply.
The two week excess period is the amount of time you have to be out of work due to an insurable event before a claim can be made.
Yes, the policies are Worldwide, but exclude the USA and Canada in respect of Products Liability Cover, though cover only applies to UK domiciled persons.
Contact the Allianz claims service on 0344 893 9500 or write to them at:
Allianz Claims
PO Box 10509
51 Saffron Road
Wigston
LE18 9FP
Dojo/contents
We can tailor a package of All Risks cover for your Dojo. The policy can include cover for the buildings, contents, business interruption, money and glass.
Description of activities
Your insurer covers only those activities which you have declared on your Statement of Fact. You must advise us of all activities in which you participate or any additional ones you wish to include to ensure that adequate cover is effective.
Health and safety
It is important that all adequate and appropriate safety measures have been put into place to ensure accidents are avoided.
Risk director
Please contact Everywhen Insurance for more details.
Membership records
In the event of a claim, you may be called upon to confirm membership. Please ensure that you keep a record of all members past and present.
Insurers reserve the right to examine membership records. You must ensure that all accidents are recorded for reference in the event of a claim.
If you prefer to spread the cost of your annual premium, we offer a quick and easy direct debit scheme. When you choose to pay premiums in instalments, you will be paying under a Premium Finance plan. We will give you full details of the finance provider, and the additional cost of finance, when we provide you with your payment plan quotation. This will include the total payable, the number of monthly instalments and the cost of each, as well as the representative APR.