Karate Class Insurance

Karate is one of the martial arts that is found within the tradition of combat. As such, Karate is practiced for numerous reasons such as: self-defense, competition, physical health and fitness, as well as mental, physical and spiritual development. It was developed in what is now Okinawa, Japan as a native fighting method. Karate is considered to be a striking art which utilizes punching, kicking, knee and elbow strikes and open-handed techniques. Karate is practiced as an art, as a sport and combat sport, or as self-defense training. Sport Karate emphasizes exercise and competition. Training in Karate can impart numerous benefits to the student. It is not uncommon for the student of Karate to experience enhanced strength, stamina, flexibility and movement coordination. Besides improving physical health, Karate goes a long way toward boosting a student’s self-esteem, self-control and emotional well-being. Many Karate Schools emphasize the therapeutic aspects of Karate rather than the historical aspects.

Karate Instructor Insurance

Recently many Karate Schools have been contacting Westpoint Insurance about becoming policyholders. Karate Schools want to be assured that their athletic participants (are completely protected against claims of bodily injury, property damage and any litigation costs to guard against such claims, even if they are unsubstantiated. “Athletic participants” are players, coaches, managers, staff, team workers, volunteers, game officials and cheerleaders who have been granted proper authorization to enter any of the Karate School’s “sponsored events.” Whenever you are involved in a sporting event, especially one that embraces a philosophy of combativeness, you can expect accidents to occur. You are going to want to protect yourself and the student body at your Karate School with Westpoint Insurance’s General Liability and Accident Medical plans. You want the smartest insurance professionals to develop your policy plan not a bunch of amateurs who don’t have the foggiest idea of how to customize special insurance for a Karate School. We have more than 30 years of experience in the insurance industry for recreational youth and adult sports that speaks volumes for us.

Karate Studio Liability Insurance

At Westpoint Insurance, our insurance plans are designed to cover the basics of your Karate School. Our family-owned, national agency has the know-how to deliver you a comprehensive program at an affordable rate. You – the consumer – are our boss; not the insurance company. You can depend upon Westpoint Insurance to ensure that your insurance plan is the latest and most competitive plan in today’s market. Westpoint Insurance will take the mystery out of securing the best insurance for you and your Karate School students and athletic participants. For more information about how to get the best Karate School Insurance, call Westpoint Insurance today. Give us a call today to learn more about how we can help better protect your Kung Fu school and its students. You will be glad you did!

Karate Studio Insurance | Karate Instructor Insurance | Karate Studio Liability Insurance | Karate Facility Insurance | Karate Facility Liability Insurance

Have Questions Or Need Additional Assistance?

Call Us at
(800) 318-7709

Email Us at [email protected]

Request a Quote

Speak To Our Experts (800) 318-7709 or Request A Quote

General Liability Insurance Plan

Protects you in the event of a lawsuit or property damage

Who Is Covered?

This program provides protection for all players, coaches, managers, and volunteers of the Policyholder

What are the General Liability Policy Limits?

$1,000,000 Per Occurrence
$3,000,000 Policy Aggregate
$1,000,000 Products and Completed Operations
$1,000,000 Personal and Advertising Injury
$300,000 Fire Damage to Premises for any one fire
$500 Deductible per Claim

The “Aggregate Limit” is the most the policy will pay as a result of all occurrences during the policy term

Waiver & Release System

The insured must maintain a system to regularly secure signed Waiver and Release forms from participants. For minor participants, these waiver/release forms should be signed by a parent or guardian. Unintentional error on your part in securing Waiver and Release forms will not void your coverage in the event of a claim by a participant; however, your failure to maintain an adequate system to regularly secure Waiver and Release forms will void your coverage in the event of a claim.

Optional Liability Coverages Available

Hired & Non-Owned Auto – Policy Limit $1,000,000

Sexual Abuse Liability Coverage- Policy limits up to $1,000,000

Inland Marine (Contents & Equipment Coverage) – Available limits are $5000, $10,000, $15,000, $20,000 or $25,000

Mandatory Accident Medical Plan

Pays the medical bills of an injured participant or staff member.

Who Is Covered?

All participants of the policyholder specified in the application are covered while participating in sponsored and supervised activities.

What are the Accident Medical Policy Limits?

$25,000 Participant Medical Expense Benefit
$10,000 Participant Accidental Death & Dismemberment Benefit
$100.00 Deductible

Accident Medical Expense Benefit

If the Insured Person incurs eligible expenses as the result of a covered injury, the Company will pay the charges incurred for such expense within 52 weeks, beginning on the date of the accident. Payment will be made for eligible expenses not to exceed the Maximum Medical Expense Benefit, subject to the applicable deductible amount (if any). The first such expense must be incurred within 90 days after the date of the accident. “Eligible expense” means charges for medically necessary treatment and service, not to exceed the usual and customary charges in the area where provided.

Excess Coverage

This Plan does not cover treatment or service for which benefits are payable or service is available under any other insurance or medical service plan available to the Insured Person.

Disclaimer: All of the above exclusions and limitations are subject to the terms and conditions of the insurance policy. Certain of these exclusions or limitations may be modified to meet individual state requirements. Premium rates are subject to change. The rates in the quotation are based on information provided by the risk at the time of application and may be modified if the information changes from the initial submission by the risk. This description highlights the benefits, exclusions & limitations of the program, but is not a contract. For specific contract details, please request and review the insurance policy.