The Hartford doesn’t offer martial arts insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
What Is Martial Arts Insurance?
Martial arts school insurance is made up of different types of business insurance coverages designed to help protect you from the risks you might face as you teach, train and run your gym. Also known as taekwondo insurance, this coverage helps safeguard against incidents like student injuries, damaged equipment and property loss.
A martial arts insurance plan can include these common types of coverages:
- Business Owner’s Policy (BOP)
- Workers’ compensation insurance
- Commercial auto insurance
Why Might You Need Martial Arts Insurance?
Martial arts liability insurance helps protect your business from third-party claims of bodily injury or property damage. Other martial arts club insurance options can help protect your dojo or studio from many potential risks, like:
- Property damage: A student accidentally kicks a hole through the drywall during a sparring drill.
- Equipment loss: A plumbing leak ruins your flooring.
- Business interruption: A fire in a neighboring unit shuts your studio down for a week.
Who May Need Martial Arts Insurance?
Running a martial arts studio comes with unique challenges. Insurance coverage can help protect:
- Martial arts schools and dojos
- Mixed martial arts (MMA) gyms
- Brazilian jiu-jitsu academies
- Martial arts instructors
- Youth martial arts programs
What Martial Arts Insurance Coverages Might I Need?
When it comes to protecting your martial arts school, you’ll want protection that matches your potential risks. Many studio owners start with a Business Owner’s Policy (BOP)
because of the peace of mind it can provide.
A BOP combines three types of coverage to help protect you from everyday risks:
General liability insurance helps protect your studio from claims that it caused bodily injury or property damage to others.
General liability insurance helps protect your studio from claims that it caused bodily injury or property damage to others.
Commercial property insurance helps protect the owned or rented building you operate from, as well as the tools, supplies, equipment and inventory you rely on. These can include your:
- Pads, shin guards and head gear
- Gloves
- Mats
- Heavy bags
- Fitness equipment
Business income insurance helps replace your lost income if you can’t operate temporarily because of covered property damage.
It’s important to remember that a BOP won’t cover every kind of claim you could face at your studio. You’ll need to get other types of insurance to create well-rounded protection, including:
Workers’ compensation insurance to help your employees recover from a work-related injury or illness.
Commercial auto insurance to help cover claims of bodily injury or property damage from a car accident your business causes while you or an employee uses a company-owned vehicle for work.
How Much Does Martial Arts Insurance Cost?
Although The Hartford doesn’t offer coverage for martial arts studios, here are the average costs our small business customers pay for common types of insurance. You can use these amounts to help estimate your costs:**
- BOP: $1,687 a year, or about $141 a month
- Stand-alone general liability insurance: $810 a year, or about $68 a month
- Workers’ compensation insurance: $1,032 a year, or $86 a month
- Professional liability insurance: $744 a year, or $62 a month1
The cost of insurance for martial arts schools varies because every studio faces unique risks. Insurance companies consider several factors when determining your coverage cost, including:
- Number of employees
- Location of your business
- Type of coverage
- Your claims history
- The limits you select for your coverage
To find out your specific martial arts instructor insurance costs, get a free quote online through Tivly.
General Liability Insurance
“A parent sued my dojo after their son slipped and fell on a wet mat during a warmup and broke his wrist.”
General liability insurance helps cover claims that your business caused bodily injury or property damage to someone else.
Employment Practices Liability Insurance
“A former instructor accused us of discrimination after I let her go for performance reasons.”
Employment practices liability insurance (EPLI) helps protect your business from employment-related claims, like wrongful termination, discrimination and harassment.
Workers’ Compensation Insurance
“One of my instructors fractured their leg during a sparring match with a student. He had to take weeks off from work to recover and needed regular physical therapy.”
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and replace lost wages.
Professional Liability Insurance
“A student said they got hurt during a takedown drill because we didn’t walk them through it first. Their parents sued our dojo for negligence.”
Professional liability insurance helps protect your studio from claims of negligence or that it made an error in the professional services given to a customer. It can help pay attorney fees or other court-related costs.
Commercial Property Insurance
“Someone broke in and vandalized our studio. They destroyed our mats and stole some of our equipment.”
Commercial property insurance helps protect your business' equipment, furniture and inventory from loss or damage caused by events like storms, fires or vandalism.
Commercial Auto Insurance
“My manager went to pick up supplies for an upcoming tournament. On the way there, he accidentally rear-ended another car in traffic.”
Commercial auto insurance can help cover property damage and bodily injury claims if an employee gets into an accident while driving a business-owned vehicle for work.
Get a Quote for Martial Arts Insurance Options
Train harder, teach smarter and run your business with confidence. Get a martial arts insurance quote today through Tivly.
Last Updated: April 30, 2026
1 What you pay for professional liability insurance will vary by product, limits chosen and risk class or hazard group associated with your business.
2 The Hartford, “Water and Freezing Damage, Burglary Lead The Hartford’s Top Five Small Business Claims,” viewed April 2026.
3 U.S. Bureau of Labor Statistics, "Employer-Reported Workplace Injuries and Illnesses in 2023,” viewed April 2026.
4 National Fire Protection Association, “Fire Loss in the United States,” viewed April 2026.
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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