Combat Sports Insurance: The Varieties and the Benefits.
FACT: There is a lack of awareness regarding where to get the right type of insurance that will cover combat sports such as mixed martial arts, boxing, muay thai, combat grappling and other unarmed combat sports.
If you practice combat sports either recreationally or professionally then you know that, even if you are training safely, injuries can and certainly do happen. Regardless of who is at fault, the damage has been done and there is always a price to pay—medical bills from minor injuries or larger expenses from unforeseen catastrophic events—someone is going to have to pay for these expenses. It is important that gym owners and MMA promoters have combat sports insurance. But athletes should consider purchasing their own personal policies as well.
Combat sports insurance makes sense for everyone who is participating in combat sports—either recreationally or competitively. However, not all insurance contracts are alike. It’s important to know what coverage is available for combative martial arts and where to get it.
What Combat Sports Insurance Coverage is Available?
The type of combat sports insurance program you need will always be dependent on what you need the insurance protection for. The three main types of combat sports insurance programs are personal injury insurance for the fighters, event insurance injury programs for the athletes fighting in the mma events, and blanket injury and medical programs for participants of mma gyms that are sometimes build into the martial arts studio insurance package. Below, we will summarize these types of insurance programs that typically provide benefits for medical bills from accidental injuries, and death benefits for accidental death to mma and other combat sports athletes:
Personal insurance policies provide coverage for the medical bills resulting from injuries sustained while participating in mixed martial arts and other unarmed combat sports like Brazilian Jiu Jitsu. Typically these programs do not have deductibles. Instead, they pay the injured athlete directly, allowing them to better manage their medical treatment and pay medical professionals at the time of service. These individual owned supplemental insurance plans have been referenced by martial artists as "combat sports insurance" policies and they do provide insurance protection for combat athletes 24 hours a day, 365 a year. Although many insurance companies won’t cover injuries due to mixed martial arts fighting or training, rest assured our combat sports insurance covers all athletes, even inside the MMA cage.
Get Quote Here- Personal Injury Insurance Perfect For MMA Fighters!
Event insurance plans consist of combat sports insurance that provides an insurance policy that is needed when hosting an MMA event. The level of insurance coverage, along with policy limitations, is adjustable, thus providing MMA promoters with the flexibility to meet the insurance requirements that vary by state. Combat sports insurance for events offers a variety of protection, including spectator and participant liability coverage, as well as limited medical expense coverage for the participants in the event. You can also include property insurance coverage to protect the investment your small business has made in equipment like cages, grappling mats, or other electronics used at your events.
MMA gym liability & accidental medical expense insurance provides gym owners with routine coverage for their mixed martial arts gyms. This coverage offers a liability plan that covers participants in the gym, non-members visiting the gym, or accidental medical expenses from member claims. Combat sports insurance is a necessity for any gym owner.
Where to Find Combat Sports Insurance :
Because not every combat sport or combat sporting event has the same ruleset or level of risk, our insurance brokerage created this website to provide mixed martial arts athletes, event promotors, and MMA gym owners with an easy insurance solution. Our insurance brokers are combat sports athletes themselves. We understand how to classify your martial art and know which insurance companies will accept the risks associated with your combat sports activity.
We began with a laser focus on jiu-jitsu and mixed martial arts, offering medical insurance for athletes, liability coverage for gym owners, and special events insurance for promoters. After our initial success with offering our services and programs to the jiu-jitsu community, we have expanded our specialty marketplace to offer solutions for muay thai, boxing, MMA, and other martial arts events and facilities, as well as entertainment insurance programs like Pro Wrestling Insurance. These insurance plans offer the same combat sports insurance protection to all combat athletes, including mixed martial artists.
Founder Chris Martin developed JiuJitsuInsurance.com after spending almost two decades on the mats, practicing martial arts. Chris and his associates still participate in combat sports and understand the needs of the athletes, as well the demands of a promoter. We created this online resource to make insurance affordable and easy to obtain.
"I started with traditional boxing classes back in 2006, which I really enjoyed. However, after a year into it, the gym that I was at decided to discontinue the boxing program and gave us the ultimatum to merge into the muay thai class or part ways. So, the next week I started muay thai and later jiu-jitsu and some MMA training," says Martin.
He later founded two mixed martial arts gyms in Wisconsin and, after 8 years of building them up, sold both MMA gyms to two of his employees. They continue to manage these gyms today. Chris has created his own niche in the combat sports arena by insuring events and athletes, including boxing (professional and amateur), mixed martial arts, tough man competitions, kickboxing, wrestling, prize-fighting, and more.
From determining the exact type and amount of coverage you need for a specific event, to providing the Certificate of Insurance to the State Boxing (Athletic) Commission, we are in your corner to protect your liability and help guide you along the way. We also specialize in underwriting martial art studios, gyms, sports camps, and more. Policy coverage includes:
Combative Sports Medical for Event Participants
Spectator Liability
Participant Liability
Connect with one of our brokers today for all your combat sport insurance needs.