Most karate academies we insure pay about $114 a month, and coverage starts at $24, on a direct policy with no broker fees and no per-student math. It's karate insurance built for the way a dojo actually runs: after-school classes, belt testing, controlled sparring as training, and summer day camps at your dojo.
Karate insurance is gym insurance written for how a dojo actually runs: classes, belt testing, kids programs, and the day-to-day on the mat. You tell us you teach karate, and you're covered for it, instead of squeezing a dojo into a "general fitness" box and hoping a claim doesn't get denied. Most karate academies we insure pay about $114 a month, and coverage starts at $24/mo.
How it's classified is how it's covered. A dojo that runs after-school classes, belt-testing days, controlled sparring as part of training, and day camps at your dojo is covered for all of it when you tell us that's what you teach. Traditional striking is our appetite, not a workaround. Karate is one discipline under our broader martial arts insurance, written under the martial arts class.
Taekwondo insurance works the same way as karate insurance here, because a taekwondo school runs the same way: kids-and-family classes, belt testing, forms (poomsae), and controlled sparring as training, plus after-school and summer programs. It's written under the same martial arts class at the same flat pricing, from $24/mo, so you apply as a martial arts academy, tell us you teach taekwondo, and your program is covered whether your school leans traditional or sport-style. Everyday classes and controlled sparring as training are covered the same way. Hosting a taekwondo tournament? Tell us at quote and we'll confirm the coverage for your event. Teach both karate and taekwondo under one roof? One policy covers the whole school.
Most karate dojos run a kids-and-family program, and the insurance market keeps pricing them like a fight gym or missing the classification entirely. First a generic carrier prices an academy like a higher-risk business than it is, or won't write martial arts at all. Then a specialty program will write it, but quotes $2,500 to $3,000 and often prices you per student, so your premium climbs every time a new white belt signs up. That's the trap: a growing kids program gets punished for growing.
Honest pricing is the third option. We price a dojo on what the real risk looks like, on a flat policy with no per-student math and no program access fees layered on top. One policy covers your whole dojo, so there's no enrollment count to report at renewal and no premium that jumps every time a new student signs up. That's the gap we built to fill.
An academy's risk concentrates in a few places. Here's where each coverage earns its place, all grounded in what the martial arts policy actually carries.
Covers the injury claims a dojo sees: a student catches an elbow in sparring, a parent trips on the way in, a visitor slips on the mat. It includes the legal defense, at $1M per occurrence and $3M aggregate, and it's the coverage your landlord writes into the lease.
Learn more →Your product is instruction, so this is the one generic policies quietly leave out. If a student says a coach's correction or a cue caused an injury, professional liability answers it.
Learn more →Your gear: mats, sparring pads, the front desk and the retail rack. Business personal property replaces it at replacement cost, so a fire or a burst pipe doesn't come out of pocket to reopen.
Learn more →Run a kids program? You need this, and it's included, at $300,000 per person and $300,000 in the aggregate. For a dojo full of kids working toward their next belt, it's the coverage nobody wants to think about and nobody wants to discover they were missing.
A dojo lives on monthly tuition. If a fire closes your doors for three weeks, that income stops while rent and payroll keep coming. Business income covers the gap until you reopen, bundled with your liability and property on one policy.
Learn more →Most karate insurance is sold through a broker or a specialty program that prices per student. Here's what that looks like next to a flat, direct policy.
| Coverage area | Per-student broker or specialty program | Gym Insurance by PushPress |
|---|---|---|
| Priced flat, not per student | ✗ | ✓ |
| Classified as a martial arts academy, not "fitness center" | Not always | ✓ |
| Controlled sparring as training | Often vague | ✓ |
| Professional liability for coaching | Often excluded | ✓ |
| Kids and after-school programs | Often an add-on | ✓ |
| Broker or program access fees | Often added | None |
These are the day-to-day situations a karate policy is built around:
Everyday classes, belt testing, drills, and the controlled sparring that's part of normal training are the operations your policy is written around. A karate tournament or in-house competition you host is covered under your standard policy when it's under 100 competitors and not a full-contact or MMA-style fighting event, and competing away from your gym is covered for your liability as long as it's not a full-contact event. For a larger event or a full-contact one, you'll need separate event-only liability coverage, so let us know at quote and we'll help you find it.
Coverage starts at $24/mo. Here's what dojos actually pay, next to a typical broker or specialty-program quote for the same coverage.
Median martial arts premium across the dojos we insure is about $114/mo ($1,369/yr), pulled June 2026 (karate isn't priced separately below the martial arts class). Coverage starts at $24/mo. Your rate depends on facility size, location, the classes you run, and your coverage limits. See full pricing details.
We're gym owners. We got tired of dojos being priced like a fight gym when most of the mat is kids working toward their next belt, so we built the policy we actually wanted, on a flat rate with no per-student math. One application, a quote in about five minutes, bind the same day.
The price isn't a guess. It comes from 20+ years in fitness and data from thousands of gyms, so we know what a dojo's real risk looks like. This isn't a brokered policy. It's our own program, built directly with A-rated, reinsured carriers, so there's no broker in the middle and no extra fees stacked on top of your premium. Available in the 48 contiguous states. See how we compare to other martial arts insurance providers.
Don't let high costs or inadequate coverage hold your gym back. Protect your business and your students with insurance built for you.