Insurance that gets martial arts. Built for karate, taekwondo, BJJ, kickboxing, and boxing gyms, from $24/mo. Declare what you teach and you're covered for how a dojo actually runs, no "general fitness" workaround.
Martial arts insurance is gym insurance written for how a dojo actually runs: classes, instruction, kids programs, the day-to-day on the mat. You declare that you teach martial arts, and you're covered for it, instead of squeezing yourself into a "general fitness" box and hoping a claim doesn't get denied. Most martial arts gyms we insure pay about $103 a month, and coverage starts at $24/mo.
Here's the part most owners have lived. A generic carrier prices a dojo like a higher-risk business than it is, or won't write it at all. The one specialty program that will then stacks a program fee on top, and you end up at $2,500 to $3,200 for coverage that should cost half that. We're gym owners. We built the policy we wanted, priced for the real risk, not a worst-case.
One policy, the coverages a martial arts gym actually needs. The rule we underwrite by is simple: if it's a normal part of running a dojo, it's covered unless the policy specifically excludes it. Here's what's inside.
The big one. A student catches an elbow sparring, a visitor slips on the mat, a parent trips over a kettlebell at pickup. General liability covers the injury claims and the legal defense, at $1M per occurrence and $3M aggregate. It's also the coverage your landlord writes into the lease. More on general liability.
Your product is coaching, so this is the one you can't skip. If a student says a coach's correction or bad advice caused an injury, professional liability answers it. It's also the piece generic gym policies quietly leave out. More on professional liability.
Your gear: mats, heavy bags, the ring or cage, grappling dummies, weapons racks, the retail rack up front. If a fire or burst pipe wrecks it, business personal property replaces it so you can reopen. More on business personal property.
Run a kids program? You need this, and it's included, at $300,000 per person, with the aggregate limit set by your state's regulations. Abuse and molestation is the coverage nobody wants to think about and nobody wants to discover they were missing.
A gym lives on monthly dues. Go dark for three weeks after a fire and that income stops, but rent and payroll don't. Business income covers the gap while you rebuild. It rides along on a Gym BOP that bundles your liability and property together.
One discipline or ten under one roof, we write it. If you teach it as a class, odds are we cover it:
Most martial arts gyms we insure are everyday training facilities: kids karate and taekwondo, BJJ academies, boxing-fitness studios, self-defense schools, and mixed programs. Teach something that's not on the list? Tell us at quote and we'll confirm it before you bind. That's the whole point of a policy built for martial arts: you never have to call it "general fitness" to get covered.
Coverage starts at $24/mo, and within martial arts we don't charge more for your discipline or your kids classes. Here's what martial arts gyms actually pay, next to a typical broker or specialty-program quote for the same coverage.
| Provider | Typical annual cost | Fees |
|---|---|---|
| Gym Insurance by PushPress | $1,100–$1,400 (from $24/mo) | No broker or program fees |
| Typical broker or specialty program | $2,500–$3,200 | Program access and brokerage fees often added |
Median martial arts premium across the gyms we insure is about $103/mo ($1,236/yr), pulled June 2026. Your rate depends on your training type, facility size, location, and coverage limits. See full pricing details.
Picture a normal week on the mat. Here's coverage in practice:
Every one of those is normal gym operations, so every one is covered. The edges are simple: training is in, competition is separate. Day-to-day classes, drills, and the light contact that's part of normal training are covered in any discipline. Sanctioned tournaments, full-contact competition, and full-contact sparring outside of training are not. If you host or travel to an event, add event coverage for that date.
Two things we don't do, said plainly. Workers' comp isn't part of a martial arts policy, so if your state requires it you'll buy that separately. And we cover what's inside your gym, not the building shell, so building owners need a broker to add structure coverage.
We're gym owners. We got tired of dojos being priced like the worst-case instead of the day-to-day, so we built the policy we actually wanted. 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 martial arts gym's real risk looks like. We go straight to A-rated, reinsured carriers and skip the broker layer, which is why there's no program-access or maintenance fee stacked on top. 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.