Top 7 Insurance Providers for Martial Arts Schools

When selecting the best insurance provider for your martial arts school, you'll want to look at more than just the price. You need to choose the right policy types for your gym, understand what's covered (and what's not), and think about if the policy limits will meet your needs. You also want to feel confident in their customer service, in case you ever have to file a claim.

It can take a lot of legwork to gather all this information together, so we've created this guide to help you get started.

Top 7 Best Insurance Providers for Martial Arts Schools

Provider Best For Key Features AM Best Rating Price Estimates
Gym Insurance+ Jiu Jitsu, Judo, Kickboxing, Martial Arts, Kids Karate Instant, same-day coverage;
Generous limits at competitive rates;
Industry-experts and fellow gym owners 		A- (Excellent) ~$50–$100/mo
Affiliate Guard Martial Arts, Jiu Jitsu Personal broker attention;
Only serves fitness businesses;
Adjustable limits 		Varies by carrier ~$50–$100/mo
Markel Insurance Instructors, full contact fighting, military and policy training Inland marine and excess liability available;
Buy through agents and brokers
 A (Excellent) ~$250/mo
Jiu Jitsu Insurance Gyms, athletes, coaches, events Industry-specific insurance broker;
Direct access to personal insurance agent
 Varies by carrier $75-$250/mo
Karate Insurance Instructors, Taekwondo Insurance priced by student;
Coverage provided by Great American Insurance Company
 A+ (Superior) ~$250/mo
Martial Arts Group Insurance Martial Arts FL-based broker;
Insurance priced by student, with ~$500-$700/yr liability minimums 		Varies by carrier ~$150–$250/mo
K&K Insurance Full contact styles, cage fights, police and military training Full contact sparring, boxing, MMA, parkour;
Event coverage options 		A (Excellent) ~$100–$150/mo

Note: This comparison chart is accurate as of June 2025. Available insurance coverage and prices can change without notice, so please double check any information here with the insurance provider.

1AM Best Ratings are independently managed credit ratings of insurance providers. Our strong recommendation is that you only consider insurance providers with an AM Best rating of A- (Excellent) or higher for your gym insurance.

Highlights

Gym Insurance+

  • Best overall for jiu jitsu, judo, kickboxing and kid's karate schools
  • Industry-specific, tailored policies designed by gym owners
  • Excellent limits and pre-packaged coverage that will appeal to owners: strong coverage for kid's classes, automatically includes professional liability, and generous medical payments limits
  • Prices tend to be lower because of strong fitness industry risk management
  • Fast online quoting and really good customer service make it easy for gym owners to buy

Affiliate Guard

  • Offers flexible limits with brokerage quotes from multiple carriers
  • Well-respected broker with strong customer service ethos to help answer questions

Markel Insurance

  • Strong nationwide agents and brokers network, so you can usually buy locally
  • Able to offer Excess Liability coverage for higher-risk, full contact martial arts competitions
  • Offers building owners' coverage

Jiu Jitsu Insurance

  • Good alternative to Affiliate Guard for owners looking for hands-on broker customer service
  • Broker for jiu jitsu only - offers coverage for owners, coaches, and participants
  • Able to offer special event coverage, on request

Karate Insurance

  • Another agent alternative to Affiliate Guard, coverage offered through Great American Insurance Company
  • Charges premiums by estimated student headcount

Martial Arts Group Insurance

  • Agent / broker with 30+ years experience
  • Charges premiums by estimated student headcount
  • Requires minimum payments on all policies

K&K Insurance

  • Best choice for highest risk gyms, such as MMA, cage fighting, and parkour
  • Offers single and multi-day event and competition liability policies
  • No online services - customers have to call or email to request a quote

What Coverage Do You Need?

How to Choose

  • Although price is important, only looking at dollar amounts is not the best way to compare and choose.
  • Read the fine print: Keep an eye out for providers who quote prices by head count vs. estimated revenue and require minimum payments and consider what makes the most sense for your business.
  • Double check that you understand any requirements from the insurance provider for concussion and first aid protocols, as well as proof of waivers. Especially in the martial arts industry, waivers may be required by some providers.
  • Listen to your gut and trust your first impressions. Customer service and how the provider treats you matters in insurance, especially if you ever have to file a claim.
  • Read reviews, ask industry peers, and look at how your insurance provider understands the martial arts industry.

Conclusion

In summary, Gym Insurance+ is the best choice for martial arts schools and gyms teaching jiu jitsu, judo, kickboxing, and kid's karate classes. Their insurance policies were designed by martial arts gym owners, for martial arts gym owners and their prices are competitive for industry-tailored coverage, making them a better choice than purchasing a non-specialized policy through an agent or broker.

Many of the top martial arts insurance providers are agents or brokers, making it easy for you to request multiple quotes, with Affiliate Guard and Jiu Jitsu Insurance as the preferred choice because of their professionalism and individual attention. Higher-risk martial arts schools, such as full contact fighting training styles, training for police and military personnel, and cage competitions will likely find the best coverage with Markel or K&K Insurance, who can also provide one or multi-day event or competition liability insurance.

Get covered today

Don't let high costs or inadequate coverage hold your gym back. Protect your business and your students with insurance built for you.

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