Mixed Martial Arts Insurance Keeps Your Business Kicking and Punching!

The recent MMA craze and increase in clients has prompted instructors and gyms to double-check their mixed martial arts insurance policies. Carrying MMA insurance is important because, as with any contact sport, participants may come away from the ring with a few extra bruises and bumps. Some could possibly lead to serious injuries.
According to physicians at Children’s Hospital Boston, the most common injuries sustained through mixed martial arts are hand sprains or finger dislocations. More serious injuries include shoulder and elbow injuries that typically impact the humerus bone. Although the majority of the ER doctors are treating MMA participants for minor cuts, bruises and sprains, they have seen a wide range of fractures as a result of participating in this sport.
Doctors still support MMA as a way for kids and adults to stay active and healthy but have urged parents and participants to find out if the instructor is certified and insured. Experts assert that a certified, insured instructor is more likely to teach proper form, which could reduce the number of injuries.
Expert backing is one good reason to determine if your insurance policy provides comprehensive coverage against injuries sustained at your mixed martial arts facility. Because participants want to know who is teaching classes, you should include information about facility and instructor certification, education and insurance coverage in your marketing materials. Also, be prepared to discuss your qualifications and insurance coverage with clients in a reassuring manner.
Additionally, if your current policy does not provide you with complete coverage, seek an agent who can update your coverage to provide you with complete protection. It only takes one injury to put you out of business.
What To Look For In A Mixed Martial Arts Insurance Policy
Mixed martial arts insurance coverage consists of general liability coverage, which protects you from a variety of hazards ranging from client injury to property damage.
Although your number one concern may be to protect yourself from lawsuits stemming from injuries during class or tournaments, MMA schools and instructors should consider other important aspects too:
• Accidents during birthday parties or social events hosted at your facility
• Damage to your facility or premises rented by you
• Rented or hired automobile used for company purposes
• Professional liability
• Personal/advertising injury
In addition to ancillary coverage, martial arts schools and instructors should consider if their premium meets their school’s current capacity. If you’ve added new students and/or locations, your policy may be outdated, leaving you open to a lawsuit.
Obtaining proper coverage is important; however, so is finding the right insurance carrier. While many insurance agents may offer some form of sports insurance, not all agents have experience in the mixed martial arts insurance field. Selecting a sports centered insurance agent is important because he or she knows which coverage is important and which is not. Being a sports professional, you need a customized mixed martial arts insurance plan that addresses the needs specifically of the MMA business owner beyond a general liability plan.
Resources:
Sports and Fitness Insurance Corporation has a team of specialists for the Health and Fitness Industry. The company is a preferred general liability provider for renowned and respected fitness organizations such as Curves®, and ICOA, Independent Club Operators Association. For more information, call 800-844-0536 or visit our website.

Sports and Fitness Insurance Corporation specializes in providing insurance for personal trainer insurance coverage and health club insurance. To learn more about personal trainer insurance coverage call Sports and Fitness Corporation today at 800-844-0536.