Seven providers that insure martial arts schools, including the one we built.
Martial arts insurance covers two kinds of claim against your school: general liability for an injury on the mat, and professional liability for a claim that how you taught a technique caused an injury.
Gym Insurance by PushPress includes general and professional liability on one policy, and most martial arts schools we insure pay $1,100 to $1,700 a year.
We're one of the seven providers on this page. Use the comparison to check the quotes you already have.
We're gym owners. Martial arts schools, BJJ academies and combat sports gyms run their business on the software we built, and they kept telling us the same things about their insurance: kids' programs left out of the policy, brokers who couldn't explain what they were selling, and premiums that went up with every student who signed up.
We wanted insurance a martial arts school could buy at a fair price. Nobody was selling it, so we built it.
PushPress has been in fitness for over 20 years and has data from thousands of gyms. Our policies are written by A-rated carriers and reinsured, and there are no broker fees.
| Provider | How you buy | Typical annual cost* | Watch out for |
|---|---|---|---|
| Gym Insurance by PushPress Best overall | Online in about 5 minutes, with same-day coverage available | $1,100 to $1,700 | Not available in Alaska, Hawaii or outside the U.S. |
| AGuard (Affiliate Guard) | Online form, then an agent sends a quote within one business day | $1,800 to $3,000 | Ask how sparring is covered for a martial arts school |
| Jiu Jitsu Insurance | Online form through a broker, then a wait of several days for a quote | $2,200 to $3,000 | Property and professional liability are separate policies |
| Karate Insurance | Online form or a call, then a person reviews it before you get a quote | $2,500 to $3,000 | Professional liability isn't offered |
| Martial Arts Group Insurance | Online application or a call, then a wait for a quote | $1,800 to $3,000 | Minimum premium for schools under 50 students |
| Markel | Through an agent, about 7 to 10 business days to a quote | $3,200 to $5,500 | Ask how it classifies BJJ, Muay Thai or MMA |
| K&K Insurance | Online application, then K&K reviews it before you can buy | $2,800 to $4,300 | You're covered under K&K's group policy |
*Prices accurate as of October 2026. Coverage and pricing can change. Verify directly with the provider before making a decision.
Professional liability is included on every policy, and you can add property for your mats and equipment through the Gym BOP. You can get a quote and buy online in about 5 minutes, your coverage can start the same day, and your certificate of insurance is ready as soon as you buy.
AGuard, formerly Affiliate Guard, is an insurance agency that has sold gym coverage since 2006. You fill out an application and they send a quote back within one business day.
The policy itself comes from an insurance company's fitness program. Property isn't part of the base policy, but it can be added, and you should ask how professional liability is handled for a martial arts school before you buy.
Jiu Jitsu Insurance is a broker that sells coverage for gyms, coaches and athletes. Gym coverage is priced per student, and sparring and full contact are covered only when you list them on your application.
You fill out an online form or call the owner, who is also the agent, and a person reviews it before you get a quote. Pricing is per student, and the premium is reset once a year at renewal based on your student count. Building and equipment property can be quoted separately.
Martial Arts Group Insurance sells through a sports and recreation group program. You apply online or ask for a quote by phone or email, then wait for the quote to come back. Pricing is per student. Gyms with live sparring or cage work are moved to its separate MMA program.
Markel's martial arts program is run by K&K, which handles the policies and claims. You apply through an agent, or through an online form that a person reviews, and agent submissions take about 7 to 10 business days. Markel's published list of styles centers on karate, judo and taekwondo, so if you teach BJJ, Muay Thai or MMA, ask how your school would be classified.
K&K runs a martial arts schools program. You apply online, and K&K reviews the application before you can buy. Pricing is per student with a minimum premium, and professional liability is included. Coverage comes through a group program: K&K holds the master policy, and you get a certificate under it.
General liability pays when a student, parent or visitor says they were hurt because of your school, whether that's a fall in the lobby or an injury on the mat. General liability also covers fire damage to the space you rent.
Learn more →Professional liability pays when a student says an injury came from how you taught, like a technique you demonstrated or a drill you ran.
Learn more →Property coverage pays to repair or replace your mats, bags, pads, mirrors and build-out after a fire or a break-in. Ask whether a policy pays replacement cost, which is what new equipment costs today, or only what your old equipment was worth.
Learn more →Workers' comp pays an employee's medical care and lost wages when they're hurt on the job, and most states require it once you have W-2 employees. Whether you need it for 1099 contractors depends on your state and on how they work with you. If you need it, we can quote workers' comp for your school as a separate policy.
Learn more →If you're planning a competition or tournament, tell us when you quote and we'll help you find the right coverage.
Participant accident medical isn't required. It pays some of a student's own medical bills after an injury in class, and it sits on top of their personal health insurance, so their own health insurance is used first. It's separate from liability, which is what covers your school when a student holds you responsible.
What each policy includes, provider by provider.
| Attribute | Gym Insurance by PushPress | AGuard (Affiliate Guard) | Jiu Jitsu Insurance | Karate Insurance | Martial Arts Group Insurance | Markel | K&K Insurance |
|---|---|---|---|---|---|---|---|
| General liability | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Professional liability | ✓ | Ask for it in writing | Add-on | Not offered | Available | ✓ | ✓ |
| Sparring covered | ✓ | Ask | Yes, if disclosed | Not stated | Yes; live sparring goes to its MMA program | Ask | Ask |
| Kids' classes covered | ✓ | Varies | Varies | ✓ | Not stated | Varies | ✓ |
| Business personal property | Replacement cost, in the Gym BOP | Available separately | Add-on | Varies | Add-on | ✓ | Add-on |
| Pricing model | Quote-based | Quote-based | Per student | Per student | Per student, with a minimum | Quote-based | Per student, with a minimum |
| Certificate of insurance | Instant | By email or phone request | Varies | Varies | Varies | Varies | At enrollment |
Many general fitness policies leave out sparring, grappling and takedowns, which are a normal part of most martial arts classes. Gym Insurance by PushPress covers sparring and grappling as part of training. Learn more about martial arts gym insurance →
Most martial arts schools we insure pay about $110 a month. Your price depends on the size of your school and what you teach. See the full martial arts insurance cost breakdown →
Yes. Gym Insurance by PushPress covers kids' programs on the same policy as your adult classes. If you're comparing other quotes, ask about kids' classes on each one, since some policies sell them as an add-on or leave them out. See what's covered →
If Open Mat runs during normal business hours with staff present, your standard policy covers it. If Open Mat runs outside business hours without staff on-site, you'll need to add 24-hour gym coverage to your policy. Learn more about 24-hour gym coverage →
Yes. A waiver sets expectations with your students and can limit certain claims. Insurance pays for your legal defense and any settlement if someone holds your school responsible, and it's what your landlord will ask to see. Learn more about gym waivers →
Yes. If you add a discipline, hire more coaches or buy more equipment, let us know and we'll update your policy. See what we cover →
Most commercial landlords require $1 million per occurrence and $2 million aggregate in general liability coverage, plus the right to be named as an additional insured. Many also ask for 30-day notice of cancellation language on the certificate of insurance. Gym Insurance by PushPress offers $1M/$3M as standard, which exceeds what most leases ask for. If your lease requires higher limits than that, get in touch and we can talk through your options. You can download your certificate of insurance the moment your policy is active.
Yes. Adding a landlord, affiliate group (like CrossFit, LLC), franchise, charter school, SBA lender, or any other interested party as an additional insured is standard on every Gym Insurance by PushPress policy. No extra fee. The endorsement and the updated certificate of insurance issue instantly through your policy dashboard, so you don't have to wait for a broker to process the request.
Seven are worth comparing for a martial arts school: Gym Insurance by PushPress, AGuard (Affiliate Guard), Jiu Jitsu Insurance, Karate Insurance, Martial Arts Group Insurance, Markel and K&K. The table above puts all seven side by side on price, coverage and how you buy.
About $110 a month for most martial arts schools, and the $1 million limit is included in that price. Our standard policy is $1M per occurrence and $3M aggregate. Schools pay $1,100 to $1,700 a year depending on the size of the school, and coverage starts at $56/mo.
Yes, on the same policy as everything else you teach. A kickboxing program does not need its own policy or a different business description, and kickboxing classes, pad work and sparring as training are all covered.
Yes. Gym Insurance by PushPress covers karate and taekwondo schools, including belt testing and after-school programs, and a traditional dojo is quoted on the same martial arts policy as a grappling academy. There's more detail, including kids' programs, on our karate and taekwondo insurance page.
For most martial arts schools, including BJJ, judo, Muay Thai, kickboxing and karate, Gym Insurance by PushPress is the one we'd pick. See our martial arts insurance page, or read about our jiu jitsu insurance and karate insurance.
Updated October 28, 2026
Don't let high costs or inadequate coverage hold your gym back. Protect your business and your students with insurance built for you.