Martial Arts Insurance For Instructors
Martial arts instructors have a lot to think about. First and foremost, they have to establish a gameplan for what they are going to teach and who they are going to teach it to. Next, they have to secure a location in which to operate or connect themselves with an existing school. Finally, they have to clear up administrative matters such as stocking the appropriate gear, setting up student payment, and the like.
One thing that tends to be way down on the list is insurance needs. However, if you’re here that means you’ve arrived at the moment when you realize you need to good coverage to stay in business.
Why Purchase Insurance as an Instructor?
One of the most frequent questions we get is simply why should an instructor purchase insurance for his program? If he is the owner of the facility the answer is simple – any and all injuries that occur on his/her property will be his/her responsibility. One bad slip-and-fall or injury on the mat could doom the business without any insurance. However, if the instructor operates under a bigger umbrella they may suspect the school will cover any possible liability. This is true in some cases, but facility owners may not always be generous enough to get in front of injury situations. They may instead try to pin it on negligence by the instructor.
In cases like this, when either the facility owner or student attempts to come directly at the instructor, good insurance is critical.
Is Insurance For an Instructor Expensive?
Insurance is much more affordable than most people assume. Small programs can get by with a plan that goes as low as $30 a month. The bigger the school the more expensive the plan, but those numbers constantly counter-balance. Insurance rates don’t go up until the student count does, and therefore the profit level. Insurance for an instructor is definitely affordable and can prevent full on financial disaster in the long run.
How Do I Buy a Policy and File a Claim?
Buying a policy is simple stuff. If this is your first time securing business insurance we recommend you use our free estimate tool to get an idea of what you will be spending every month. After that, if you’re ready to buy you use our secure online submission tool to fill out the needed information. We take it from there! You will always receive personal customer service from us as you go through the process, so if you have any questions just reach out and ask.
If you arrive at a moment where you have to file a claim you’ll notice a suite of tools in our top menu bar located under “current client services”. Whatever you need to do, just follow the steps we lay out and you’ll be on your way.
Get Started!
If you’re ready to get started click here! We’ll guide you through the purchase process.
