If you run a martial arts gym, then you need to think about how much public liability insurance cover you need for your business – even if it’s just a small part-time venture. The good news is that getting public liability insurance for your martial arts gym is not difficult or expensive; in fact, we can help you find competitively priced cover. In this article we will explain what public liability insurance for martial arts covers as well as answering some frequently asked questions about this type of insurance policy; these include:
What is Public Liability Insurance?
Public liability insurance is a type of policy that helps to protect you in the event your business faces legal action following someone’s injury or damage caused by you or your staff. If a customer suffers an injury at your premises, they could sue you and make a claim for compensation.
The level of public liability cover you need will depend on what sort of martial arts gym you run, as well as its size, location, and number of students.
What does Public Liability Insurance Cover you for?
Public liability insurance for martial arts gyms covers you against third party claims of bodily injury or property damage, as well as claims of negligence.
That means that it can protect you from being sued for hurting someone else, damaging their property or for any other kind of accident at your gym.
In general terms: if someone trips over a mat and breaks their leg while they’re attending classes at your martial arts gym, public liability will cover the costs associated with that injury. It’s also important to note that this cover extends to members of the public who visit your facility – not just staff or pupils!
When you take out public liability insurance, you may be covered for a range of scenarios including:
- If someone is injured on your premises through no fault of their own and they make a claim against you;
- If someone is injured on your premises and they make a claim against another party which results in that party suing you or making a claim against them;
- If someone who works for you is injured on the job and makes a claim against another party which results in them suing you or making a claim against them;
- If someone makes a claim against you as owner of premises where an accident occurs (this could include if someone trips over something that’s not yours but on your property);
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How much cover do martial arts gyms need?
The amount of cover you need depends on the risks associated with your activities, as well as many other factors. For example, your location and the size of your gym will help determine how much public liability insurance is required for your business.
However, it is important to check the limits on the policy you are looking into. It may be that there is a particular risk that could cause an accident or incident that would result in legal action being taken against you. If this is the case, then it could be prudent to take out additional cover above and beyond what is recommended by our consultants based on their analysis of potential risk factors. For example: if one of your classes attracts large numbers of people (E.g. Adult-only classes) then it makes sense to take out more public liability insurance than someone running martial arts classes for families with young children only.
Questions to ask your broker
- What is the maximum amount of indemnity you can claim for?
- What is the excess?
- What is the level of cover?
- Is there any exclusions?
- What is the policy period?
- Is there a 24 hour emergency helpline?
- What am I not covered for?
Contact one of our brokers at Combat Sports Insurance for more information.
Looking for Public Liability Insurance cover?
We hope that this blog has helped you understand public liability insurance for martial arts gyms. At the end of the day, it is your responsibility to ensure that you have the right level of cover for your business, and it is always worth taking the time to ask questions before signing any contract. Contact us to find out what public liability policy would suit your gym best.