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Martial Arts Insurance

Cover for martial arts clubs and associations, including their members and instructors. 

  • Public and product liability, and personal accident cover options 
  • Choice of indemnity limits to suit the needs of your martial arts activities
  • Access your quotes, policies and renewals in your online account


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Why choose martial arts insurance with Towergate?


Bespoke martial arts insurance

A wide range of policies that can be tailored to your needs.


Public and product liability

Cover for both martial arts instructors and dojos.


Personal accident insurance with 24/7 coverage option

Temporary Total Disablement cover, broken bones cover and physiotherapy sessions.

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Range of martial arts insurance indemnity limits

To suit the needs of your martial arts association.

About martial arts insurance


Martial arts instructor insurance

Our MartialGuard Instructor policy is designed to cover the main liability insurance needs of a martial arts instructor. This includes public and products liability, as well as a 24-hour personal accident cover option, with weekly benefits of up to £500, broken bones cover and up to 10 physiotherapy sessions. Cover is on a ‘claims occurrence’ basis, meaning you are protected for incidents during your policy, even if the claim is made at a later date.


Liability cover for martial arts clubs and associations

We offer a 12-month liability cover policy for martial arts clubs and associations, flexible to your needs. Options include, cover for member to member liability, tournaments and events, employers' liability with a £10 million indemnity limit, directors' and officers' liability with indemnity limit options, personal accident cover and specialist travel cover (with one-off trip and annual cover options).


Tailored cover for martial arts

Our team has over 30 years' experience providing insurance solutions to martial arts instructors, clubs and associations. This expertise allows us to understand and identify the particular risks to which you are exposed and provide a wide range of policies that can be tailored to your needs.


Dojo insurance

We have many years' experience providing cover for dojos and can offer a comprehensive package of cover for your martial arts premises, including buildings, contents, business interruption, money and glass.

When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.

  • Find your insurance documents and make sure you have all your information at hand, including your policy number.
  • Call the claims team on 0344 893 9500 and explain exactly what happened.
  • Provide photos if requested to help us understand what happened as quickly as we can.
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Ready to get covered?

  • Fill in our online quote form or call us
  • Purchase your policy
  • Relax - You're covered!
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Martial arts insurance FAQs

No, our martial arts policies do not cover professional competitions.

All applicants must be over 18 years of age and have either a black belt or a teaching qualification. They must also be connected to a club or association.

This forms part of the group public and products liability policy and provides cover for one member to another member for negligent injury. This is not a form of personal accident insurance.

All declined disciplines and declined weapons are listed below:

  • Bajujitsu
  • Cage Fighting
  • Chin Na
  • Dim Mak
  • Disciplines using pressure points
  • Jobajitsu
  • Kalari
  • Kalaripayattu
  • Kyusho
  • Kyusho Ju Jitsu
  • Mixed martial arts including competitions
  • Musti Yudha
  • No connection to martial arts
  • Payattu
  • Shootfighting
  • Subajutsu
  • Thoda
  • Vajra Mushti

Declined weapons:

  • Japanese bows
  • Japanese long blow and arrows
  • Live bladed weapons
  • Shurieken

Group Public Liability provides indemnity for your legal liability for damages, including claimant legal costs arising out of accidental injury to any person (other than employees), accidental loss or damage to third party property, nuisance and trespass and member to member indemnity.

Instructor Public and Products Liability provides a personal indemnity to an Instructor for liability arising from their instruction, demonstration or supervision of martial arts activity, including legal defense costs.

Yes, provided that a senior Instructor can vouch for their experience.

Payments are to be made online only. No manual prop forms can be accepted.

We will cover activities which are described on your statement of fact.

Yes, the cover is personal to you as an Instructor, but you have to be attached to an organisation.

You can login into your account using your username and password and access all of your policy documents free of charge, including your instructor liability certificate. If you require a password reset to your account please contact us.

Personal Accident cover provides a benefit (subject to the policy terms) if a member is injured whilst participating in Martial Arts regardless of negligence. Liability cover is an indemnity for Legal Liability.

For competitions/events organised by an Association/Club which is open for non-members to take part, the organising Association/Club is required to extend their cover for the duration of the competition/event. We will require the date, venue name, limit of indemnity and payment before cover can be issued.

The minimum age is 4 years, while the maximum age is 70 years. The maximum age will only apply to the Personal Accident policy.

It applies to members over 16 years of age only, unless the junior member is hospitalised. Benefit will be paid to the junior member for the period of the hospitalisation. The two-week excess period will apply.

Yes, the policies are Worldwide, but exclude the USA and Canada in respect of Products Liability Cover, though cover only applies to UK domiciled persons.

Contact the Allianz claims service on 0344 893 9500 or write to them at:

Allianz Claims
PO Box 10509
51 Saffron Road
LE18 9FP


We can tailor a package of All Risks cover for your Dojo. The policy can include cover for the buildings, contents, business interruption, money and glass.

Description of activities

Your insurer covers only those activities which you have declared on your Statement of Fact. You must advise us of all activities in which you participate or any additional ones you wish to include to ensure that adequate cover is effective.

Health and safety

It is important that all adequate and appropriate safety measures have been put into place to ensure accidents are avoided.

Risk director

Please contact Towergate Insurance for more details.

Membership records

In the event of a claim, you may be called upon to confirm membership. Please ensure that you keep a record of all members past and present.

Insurers reserve the right to examine membership records. You must ensure that all accidents are recorded for reference in the event of a claim.

Payment by credit/debit card can be made online or over the phone. We also offer Premium Credit Finance, please speak to our advisors for more information.

Read more FAQs

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