Judo Insurance
Judo is one of the most popular martial sports in the world. It’s high intensity and skill level has intrigued audiences for generations and proved the importance of technique over raw power. Despite it’s technical focus injuries do occur in Judo. The ballistic impact that can result from high octane throws is enough to damage any practitioner who happens to take a bad fall. Even the pushing and pulling of randori can cause unexpected health problems.
It’s wise for judo players and instructors to seriously consider insurance. Personal insurance as well as school-wide policies can take a life altering event and make it salvageable. There is no way to completely eliminate the risk of judo practice so acquiring proper coverage is the right call every time.
About Our Judo Insurance Policies
We’ve developed policies that are appropriate for a wide array of martial art practices. This is important because accidents are inherently unpredictable and you want as wide an insurance net as possible. View the details of our program below:
The Accident Coverage
$100,000 Benefit
(Benefit is used for medical bills of an injured student or staff member)
Medical Expense Benefit
If the student or staff member incurs eligible expenses as the direct result of a covered injury and independent of all other causes, the insurance policy will pay the charges incurred for such expense within 365 days, beginning on the date of accident. Payment will be made for eligible expenses in excess of the applicable $250 Deductible Amount, not to exceed the Maximum Medical Benefit.
In terms of utilizing the insurance policy – the first such expense must be incurred within 90 days after the date of the accident. This is to ensure prompt handling of the incident and avoid manipulation of insurance claims.
“Eligible expense” means charges for the following necessary treatment and service, not to exceed the usual and customary charges in the area where provided.
- Medical and surgical care by a physician
- Radiology (X-rays)
- Prescription drugs and medicines
- Dental treatment of sound natural teeth
- Hospital care and service in semiprivate accommodations, or as an outpatient
- Ambulance service from the scene of the accident to the nearest hospital
- Orthopedic appliances necessary to promote healing
Accidental Death and Dismemberment Benefit
Principal Sum is $100,000 with a $500,000 aggregate. If a covered injury results in any of the losses specified below within 365 days of the date of the accident, the Company will pay the applicable amount:
- Full Principal Sum for loss of life, double dismemberment or quadriplegia
- Full Principal Sum for loss of sight, loss of hearing, or loss of speech that is irrecoverable by natural, surgical or artificial means.
- 50% of the Principal Sum for loss of one arm, one leg, one hand, or one foot. Loss of hand or foot means complete severance above the wrist or ankle joint. Loss of eye means the total, permanent loss of sight.
- 50% of the Principal Sum for paraplegia or hemiplegia
- 50% of the Principal Sum as a monthly benefit for Coma
- 25% of the Principal Sum for loss of index finger and thumb of same hand or four fingers of the same hand
We will not pay more than the Principal Sum for this benefit for all losses due to the same accident.
The Liability Coverage
$1,000,000
(Protects you in the event of a lawsuit or property damage)
Who Is Covered
This $1,000,000 occurrence form general liability program provides protection for your Martial Arts Studio, owners, directors, instructors, and employees against claims of bodily injury liability, property damage liability, personal and advertising injury liability, and the litigation costs to defend against such claims. There is no deductible amount for this coverage. Coverage is offered through the Sports and Recreation Providers Purchasing Group, pursuant to the Federal Risk Retention Act of 1986.
Coverage includes suits arising out of:
- Injury or death of participants
- Injury or death of spectators
- Injury or death of volunteers
- Property damage liability
- Host liquor liability (nonprofit)
- General negligence claims
- All activities necessary or incidental to conduct of activities
- Cost of investigation and defense of claims, even if groundless
- Ownership, use, or maintenance of gyms, fields, or practice areas
Includes coverage for all on and off site seminars.
Up to 3 additional Insureds such as landlords or venues may be added at no additional charge.
Premium Rates
The combined Accident and Liability premium rate begins at:
$8.95 Per Person Per Year (minimum premium $450.00)
Staff members are included for no extra charge. Please note that independent contractors are not considered staff, however they may be added for an additional premium under optional coverages.
Note: Certain exclusions and limitations may be modified to meet individual state requirements.
How to Apply for Coverage
If you think this kind of coverage is right for you, head on over to our online application center. Of course, you may have questions about your school, events, property, and more before signing up. We encourage you to reach out to us at 888-868-1164 for a free consultation. We can help you sort out the different needs for your program and make an informed decision about what kind of policy is appropriate for you.
