Martial Arts Instructor Insurance

What this coverage is intended to address

• ✓Third-party bodily injury and property damage during instruction
• ✓Allegations that instructor technique or direction contributed to participant injury — professional liability insurance, also called Errors & Omissions (E&O) insurance
• ✓Sexual abuse and molestation allegations (SAM endorsement) — particularly important when working with minors
• ✓Equipment and training gear (when scheduled on the policy)

Hypothetical claim scenarios

These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.

• A student is injured during sparring. The general liability policy is generally intended to respond to allegations of this nature in the event of a covered claim.
• A student alleges that instructor technique caused an injury. Professional liability — also known as Errors & Omissions (E&O) insurance — is generally intended to address allegations of this type.