BJJ Lawsuits in California: Lessons for Coaches

Chris Martin @bizjitsu at Del Mar Jiu Jitsu club 9/2024 training before interviewing the club owner.

The jiu-jitsu community is standing at a legal crossroads. In the wake of two high-profile California lawsuits—Pereda v. Atos Jiu-Jitsu and Greener v. Del Mar Jiu-Jitsu Club—it’s clear that courts are beginning to scrutinize jiu-jitsu liability more closely than ever before. The recent California Supreme Court ruling in the Del Mar case, in particular, is poised to become a legal blueprint for how future injury claims in our sport may be handled. If you're a coach, instructor, or academy owner, now is the time to pay attention. In this article, we break down what happened in these pivotal cases, why the courts ruled the way they did, what the Supreme Court’s involvement really means for our industry, and—most importantly—how you can start taking control of your gym’s risk profile to lower your risk of similar issues.

What Happened: Two Lawsuits That Rocked the BJJ World.

Case 1: Pereda v. Atos Jiu-Jitsu

On August 15, 2017, Ray attended what was only his tenth training session at the studio he later sued in Long Beach, California. During a 30-minute sparring segment with other students, he sparred with a purple belt and was placed in a chokehold. Following the exchange, Ray reported feeling short of breath, experiencing a limp, and showing signs of confusion—all symptoms noted in the court records. These are potential indicators of an arterial dissection, a serious condition that can lead to a stroke if not promptly treated.

Although he had signed a liability waiver, it didn’t help. Why? The decision hinged on the gym’s failure to supervise and properly match students, which the court deeming an unreasonable increase in risk beyond what’s inherent in jiu-jitsu. After speaking with Ray, it's clear that proper onboarding at this studio along with more thoughtful partner assignments may have prevented the injury—a waiver alone wasn’t enough.

Case 2: Greener v. Del Mar Jiu-Jitsu Club

In this far more publicized case, Jack Greener—another beginner—was paralyzed temporarily after an instructor, Francisco “Sinistro” Iturralde, executed a rolling back take that fractured Greener’s cervical spine and causing strokes.

The March 2023 jury verdict awarded Greener over $46 million, and by mid-2025, that number climbed to $56 million with interest and legal fees.

According to the trial record and reporting from PSBR Law, the instructor admitted he attempted a technique he could not control, on a student who was not experienced enough to safely receive it.

The Supreme Court Stepped In — And Then Stepped Back

Most appeals are rejected in minutes. But not this one.

When the defense team appealed the initial $46M judgment, the California Supreme Court took it seriously—each of the three judges spent over an hour reviewing the case, which is almost unheard of in civil sports injury litigation.

After lengthy deliberation:

• One judge felt the appeal had merit

• One was indifferent

• And the final judge ruled the original verdict should stand

With that split, the verdict stands—and the case is now solidified as precedent.

Let that sink in: the highest court in California just affirmed that instructors and gym owners can be held financially responsible if their conduct increases risk beyond what's inherent to the sport.

This isn’t just legal trivia—it’s a message to the entire jiu-jitsu world.

The Message Is Clear: Risk Management Must Evolve

As the sport grows, so does the responsibility of those who lead it. It’s not just about having waivers or liability insurance. It’s about building systems that actually prevent harm.

Here’s Where Coaches Must Act Immediately:

1. New Student Enrollment PROCEDURES

A strong risk management plan begins with a thoughtful and structured onboarding process. You can’t treat a first-day white belt like a seasoned brown belt—not in how you coach them, and certainly not in how you integrate them into live training. Every new student should be individually assessed for their experience level, age, physical condition, injury history, and goals. Are they a complete beginner? Are they coming back from surgery? Are they here to compete or just get in shape? These factors determine how you introduce them to the art—and help prevent early injuries that could lead to legal or reputational damage.

Equally important is educating new students on what is and isn’t acceptable behavior on the mat. That means setting clear boundaries: no slamming, no heel hooks, no ego. Make sure they understand that tapping early and training smart is part of the culture. Finally, use a structured curriculum to gradually introduce higher-risk techniques like takedowns, leg locks, or submissions that require fine control. This not only protects the student, it protects the gym and reinforces a professional, safety-first training environment from day one.

2. Coach-Led Pairing Protocols

One of the most important—and most overlooked—ways to reduce injury risk is to take control of how students are paired for sparring. The Pereda v. Atos lawsuit made it clear: mismatched training partners can significantly increase liability. As a coach, it’s your responsibility to ensure that partner assignments aren’t random or left to chance. Failing to do so can lead to preventable injuries and, in the worst cases, open the door to legal consequences for both you and the gym.

Thoughtful pairing isn’t complicated, but it does require intention. Before assigning partners, consider a few key factors: experience level (white belt vs. brown belt), size and weight differences, training temperament, and any known injuries or physical limitations. Even a short conversation—asking “How long have you been training?” or “Do you have any injuries I should know about?”—can go a long way in keeping the round safe.

Taking an active role in partner selection shows leadership, builds student trust, and reinforces a gym culture where safety comes before ego. Over time, this kind of consistency doesn’t just reduce accidents—it raises the overall standard of your academy.

3. Supervise Every Round

Coaches must actively supervise every round of sparring—not simply observe from the sidelines or sit on their cell phones. It’s your job to stay engaged, alert, and ready to step in if a roll starts getting too aggressive or unsafe. Intervention isn’t optional; it’s a core part of preventing injuries and setting a standard. By enforcing a culture where safety takes priority over ego, you protect your students, reinforce trust, and reduce the risk of legal exposure.

4. Create a Culture Shift

This is what really separates successful gyms from dangerous ones. And it starts at the top.

Watch This Video with Coach Rachel from Appalachian Grapplers

In this featured clip, we sit down with Coach Rachael Williams to talk about how her gym goes beyond insurance and builds a safety-first culture.

“We don’t train for medals first. We train for longevity and learning,” Rachael says. “That mindset helps us reduce injury—and that protects everyone, from brand-new white belts to our black belts.”

She explains how their academy focuses on leadership, communication, and accountability to foster safer training environments. It’s proof that creating a thoughtful culture doesn’t weaken your gym—it makes it stronger.

Don’t Count on Your Waiver to Save You

The Del Mar BJJ and Pereda ruling makes one thing crystal clear: a waiver is not a bulletproof shield. It only protects you from risks that are considered “inherent” to the sport—things like accidental bruises, sore joints, or a legitimate submission done with care. But it does not protect you from poor judgment, negligent supervision, reckless coaching behavior, or dangerously mismatched student pairings. If your actions—or your inaction—create a situation that goes beyond the normal risks of jiu jitsu, that waiver won’t save you.

Many coaches and gym owners rely too heavily on waivers, assuming that a signed piece of paper is all they need to avoid liability. But in reality, a waiver is just part of your legal paper trail. And if that trail reveals that you neglected your responsibilities—like allowing an unsafe roll to continue, failing to intervene, or pairing a new student with someone far too advanced—it can actually be used against you in court. Waivers are important, but they’re only one piece of your broader risk management plan. They must be backed by consistent, responsible actions on the mat every single day.

“A gym owner or instructor can’t knowingly let a student face a significantly greater risk than what is typical in a beginner-level jiu-jitsu class, and then hide behind a waiver.” - Perada case court reference.

The Legal Landscape Is Changing — Are You Prepared?

We’ve been tracking legal developments like Pereda v. Atos and Greener v. Del Mar from the beginning, consistently urging gym owners across the country to reevaluate their programs, strengthen student safety protocols, and prepare for an increasingly complex legal environment. These landmark cases are changing how liability is viewed in combat sports, and if you run a jiu-jitsu academy, now is the time to ask some hard but necessary questions:

• “How much coverage is truly enough to protect my gym?”

• “Do I need professional liability for instructors, or is general liability sufficient?”

• “Are we documenting safety protocols in a way that would hold up in court?”

• “Are open mats, seminars, kids’ classes, off-site events, and guest instructors all covered under our current policy?”

These are not just theoretical concerns—they’re real issues with real consequences. And the answers are rarely black and white. Addressing them isn’t just about legal compliance or risk mitigation—it’s also about improving the overall experience for your students, especially new ones. When a new student walks through your doors, they’re placing their trust in your academy. That first experience should be safe, structured, and welcoming, with clear expectations and thoughtful pairings that reduce risk from day one. Building a safer gym isn’t just about protecting yourself from lawsuits—it’s about creating a culture where students thrive and want to stay.

What questions do you still have about The Legal cases?

What questions or concerns do you have about the Pereda and Del Mar lawsuits we’ve been filming and reporting on? As these cases reshape how liability is being interpreted in jiu-jitsu, we want to hear directly from you.

Is there something you’re unclear about? A part of the case you want explained? A detail you wish we’d ask in our interviews with those involved?

Email us your questions now—whether it’s about legal exposure, waivers, instructor responsibilities, or insurance gaps—and we’ll do our best to get you answers straight from the source. We’re having these conversations so the entire community can learn, adapt, and protect what we’ve built.

Final Word: This Is a Wake-Up Call

No one wants to see another Jack Greener or another Ray Pereda. And no coach wants to be the one under fire in the courtroom.

This moment is an opportunity. To reflect. To evolve. To build a safer, stronger, more sustainable sport for everyone.

Del Mar Jiu-Jitsu Injury Case Concludes with $56M Payout: What It Means for our Industry.

Chris Martin interviews Michael Phelps at Del Mar Jiu Jitsu club September 2024.

In November 2018, Jack Greener, a 23-year-old Brazilian jiu-jitsu student, sustained a catastrophic spinal cord injury during a class at Del Mar Jiu-Jitsu Club in California. Instructor Francisco Iturralde performed a maneuver that placed his full body weight onto Greener’s neck, resulting in crushed cervical vertebrae and temporary quadriplegia. Greener, who was weeks away from graduating college and beginning a career as a surf instructor, spent months hospitalized and suffered multiple strokes during his recovery.

In 2023, a San Diego jury awarded Greener over $46 million in damages. In May 2025, the California Supreme Court declined to review the case, finalizing the jury’s decision. With post-judgment interest included, the total compensation now exceeds $56 million.

The jury found that the instructor’s actions went beyond the assumed risks associated with jiu-jitsu training and constituted gross negligence. Legal professionals noted that while martial arts carry an inherent level of risk, instructors and gyms may face liability when those risks are significantly elevated by conduct outside normal practice.

Attorney Gabe D’Antonio, a Brazilian jiu-jitsu black belt wrote an analysis of the case detailing its implications for martial arts liability. He emphasized that participant safety must be proactively addressed and that gym owners should not assume traditional waivers or general liability coverage will fully protect them.

D’Antonio noted several areas of exposure:

• Insurance Coverage Gaps: Many martial arts facilities maintain general liability policies that exclude participant injury claims—the exact type of incident at the center of the Greener case.

• Risk Management Oversight: Instructors should follow structured safety protocols, regardless of rank or competition background.

• Legal Accountability for Conduct: Courts are drawing a clearer line between assumed risk and negligent conduct, especially when techniques cause severe injury.

Chris Martin, CEO of JiuJitsuInsurance.com, has been closely following this and other legal actions involving injury claims in martial arts. Martin has conducted interviews with legal experts, gym owners, and others involved in recent lawsuits, including the Atos v. Perada case and other injury claims currently unfolding in California. This documentation is being released as part of a broader content series focused on emerging liability risks in the combat sports industry.

The Greener verdict is now one of the most significant legal judgments in martial arts injury litigation. According to legal observers and insurance providers, the ruling reflects a broader shift in how the courts evaluate instructor responsibility and gym owner liability in high-contact training environments.

Further industry analysis, insurance options, and case commentary are available through JiuJitsuInsurance.com and its affiliated blog.

Legal Precedent and Key Takeaways

According to legal experts, the affirmation of this verdict sends a clear message: instructors and martial arts facilities can be held liable when their actions go beyond what is reasonably expected in training.

What Gym Owners Need to Do Right Now

The team at JiuJitsuInsurance.com has published a detailed breakdown of what this verdict means for the martial arts community. The article highlights three critical actions for gym owners:

1. Enforce Standards — Regardless of Rank:
   No one is exempt from basic safety and conduct standards. Even black belts must be held accountable to rules that prioritize student safety.

2. Communicate Risks Clearly to Participants:
   While BJJ and other martial arts involve contact and risk, gym owners must ensure those risks are disclosed in writing and acknowledged via signed waivers and clear instruction.

3. Review Your Insurance Policies — Today:
   Many gyms assume they’re covered, but often, standard general liability insurance excludes participant injuries— the exact kind of claim involved in this case. Gym owners are urged to consult with specialists to review their coverage and consider adding supplemental accident insurance, especially given the rise in litigation.

The Bigger Picture: This Will Not Be the Last Lawsuit

"This isn’t a one-off case," says Chris Martin, CEO of JiuJitsuInsurance.com. “We’ve already seen an uptick in lawsuits across California and other states. As more gyms open and more students join, these risks — and the financial consequences — only grow.”

Chris Martin after training Jiu Jitsu at Del Mar Jiu Jitsu club September 2024.

Martin emphasizes that instructors must understand the weight of their actions on the mat. “The line between a competitive roll and an unsafe one isn’t always clear — but courts are showing less tolerance for ambiguity when someone gets hurt.”

A Call to Action for the BJJ and Martial Arts Community

The Del Mar verdict is a harsh reminder that passion, tradition, and martial values are not legal defenses. The martial arts community is being called to evolve: not just in skill and technique, but in accountability, professionalism, and business practices.

Chris Martin leaving Del Mar Jiu Jitsu after interviewing the owner of the gym.

For gym owners, this means upgrading insurance, training staff, enforcing safety standards, and protecting their students — and their livelihoods.

For students, it’s a reminder to advocate for safe training, understand their rights, and ensure they’re covered in the event of injury.

If you operate a gym or train regularly, now is the time to review your insurance and risk policies. Learn more or request a free coverage review at JiuJitsuInsurance.com.

References

1. “Paralyzed Man Awarded $46M After Injury During Brazilian Jiu-Jitsu Lesson in Del Mar,” NBC San Diego, May 2025. Link

2. “$46M Verdict Cemented for Young Man Paralyzed During Del Mar Jiu-Jitsu Lesson,” Times of San Diego, June 2, 2025. Link

3. D’Antonio, Gabe. “The Del Mar Jiu-Jitsu Case: Implications for Martial Arts Liability and Insurance,” JiuJitsuInsurance.com, May 2025. Link

4. “Jiu-Jitsu Student Wins Huge Sum After Being Paralyzed During Lesson in California,” Daily Mail, June 2025. Link

5. “The Incident Unveiled: McDojo Breakdown Exposes $46 Million Lawsuit and Challenges Jiu-Jitsu Gym Owners to Prioritize Safety,” JiuJitsuInsurance.com, June 2025. Link

6. “Revamping Safety: Brazilian Jiu-Jitsu's New Era of Risk Management,” JiuJitsuInsurance.com, June 2025. Link

Building Community Through BJJ: Our Partnership with Primal MKE.

At JiuJitsuInsurance.com, our commitment has always gone beyond offering insurance policies—we’ve aimed to actively support the growth and safety of the jiu-jitsu community. That’s why we proudly partnered with Primal MKE, one of our valued clients, to host a beginner-focused, low-risk BJJ scrimmage in Milwaukee, alongside the Marquette University Jiu Jitsu Club.

This white belt no-gi scrimmage provided new grapplers with a unique opportunity to gain real competition experience in a controlled and supportive environment. Rather than throwing first-time competitors into high-stakes tournaments, this event gave them a chance to test their skills, build confidence, and enjoy the sport in a low-pressure setting.

As one participant put it, “It was almost like an organized open mat.” The event emphasized fun, learning, and community, while helping students get their first taste of what it feels like to compete.

Safety was at the core of everything. Matches were arranged with each participant’s comfort level in mind. For example, referees spoke directly with competitors to understand whether they were comfortable with leg locks or preferred to avoid certain techniques. This level of care ensured that all participants felt respected and protected, while still being challenged on the mats.

Marquette University jiu jitsu team at the Primal MKE scrimmage.

Hosting an event like this also required thoughtful planning and proper insurance coverage. We worked closely with Primal MKE to ensure the scrimmage was fully endorsed under their liability policy, giving them peace of mind that they were protected should any issues arise. For any gym hosting a scrimmage, tournament, or seminar, this step is crucial. Without proper coverage, a single incident could pose significant legal and financial risks.

Our partnership with Primal MKE demonstrated what’s possible when jiu-jitsu schools and insurance providers work together to serve the community. These scrimmages weren’t just fun afternoons—they were a way to grow the sport, build connections, and create a positive first competition experience for new athletes.

We were honored to help make this event happen and are looking forward to supporting many more like it in the future. Milwaukee’s jiu-jitsu scene is growing—and we’re proud to be part of that journey.

5 Risk Management Lessons from A Misfit.

How Brad Edmonson (owner Misfits Jiu Jitsu) Creates a Safer Culture on the Mats:

At JiuJitsuInsurance.com, we’re always on the lookout for gym owners who are doing things right—especially when it comes to safety and risk management. That’s why we stopped by Misfits Jiu Jitsu in St. Charles, Illinois to sit down with owner and instructor Brad, who shared some incredibly thoughtful strategies that every gym owner should consider.

We talked about injuries, mat culture, submissions, and more—and Brad didn’t hold back.

Here’s a breakdown of the 5 essential risk management strategies he shared during our conversation:

🥋 1. Always Be in Control of Body Weight

One of Brad’s core principles is simple: no uncontrolled falls.

“There should be no point where you’re not in control of falling body weight.”

This philosophy guides how takedowns and throws are taught at Misfits. Brad referenced a guideline from John Danaher black belt Placido Santos that’s stuck with him:

“You can drop to a knee—but you can't fall to a hip.”

This rule keeps students from committing to techniques that could result in dangerous, uncontrolled impact. It’s especially important for beginners, who are more likely to fall awkwardly or land incorrectly.

📚 2. Teach What’s Off-Limits

It’s not enough to simply ban dangerous moves—you have to teach students what’s not allowed and explain why.

Brad emphasized that if you're going to restrict techniques like guard pulls or high-amplitude throws, you should actively train students on safe alternatives from day one. He recommends teaching broad concepts (e.g., “always maintain control of your weight”) rather than just listing banned moves. This helps students internalize the why, not just the what.

⚠️ 3. Redefine How You Teach Submissions

Brad shows Alexandra what he shows his new jiu jitsu students.

Submissions are a major source of injury—especially when new students apply them without full understanding.

“Beginners aren’t in control of their bodies yet. Submissions should be taught in stages.”

Brad breaks submissions into control mechanics and finishing mechanics, and emphasizes positional understanding before pressure. By delaying full-force application and teaching students to recognize tension in limbs, he's seen a noticeable drop in injury rates.

🤝 4. Culture > Paper Rules

You can have the best safety rules in the world printed on a waiver—but if they’re not reinforced on the mats, they won’t matter.

“If you don’t call out dangerous behavior, your culture shifts—and not in a good way.”

At Misfits, culture is reinforced every day. That means conversations on the mat, correcting poor judgment in real time, and making sure everyone from white belt to black belt knows that safety is a shared responsibility.

At Misfits Jiu Jitsu, Coach Brad emphasizes the importance of easing beginners into the training process, creating an environment where live rolling isn’t intimidating, but instead fun, supportive, and educational. "Live training shouldn't be this big, scary thing," he says. At Misfits, the focus is on building a culture where teammates help each other, offer tips, and have fun while improving — not just overwhelming new students with intensity.

He uses a simple but powerful analogy: "If I were teaching you to play baseball, you’d start with tee-ball, not facing fastballs right away." Too many gyms throw beginners into full resistance sparring before they’ve had a chance to properly learn. At Misfits, Coach Brad ensures white belts get the repetitions they need, with guidance and encouragement.

“I always joke that I’m trying to train all my students to kill me,” Coach Brad laughs. “Them getting better forces me to get better.”

👊 5. Rethink the Role of the “Mat Enforcer”

This one may ruffle some feathers: Brad addressed the tradition of the “mat enforcer”—the tough senior student who gets sent in to “handle” reckless or overly aggressive newcomers.

But his take is different.

“A mat enforcer’s job isn’t to crush someone—it’s to show what relaxed, effective control looks like.”

At Misfits, enforcers are expected to set an example, not send a message. They diffuse intensity with technique, flow, and composure—not ego. The real win? When tough rounds end with a laugh and a “Nice move!” That builds camaraderie and trust, not intimidation.

Final Thoughts

Our visit with Brad was a reminder that risk management isn’t just policies and waivers—it’s leadership, culture, and consistency. The best gym owners are those who think beyond the insurance forms and cultivate safer spaces every day, on every roll.

Thanks to Brad and the team at Misfits Jiu Jitsu for having us—we left with some powerful lessons we’ll be sharing with the broader martial arts community.

Need help protecting your gym?
Visit JiuJitsuInsurance.com to get coverage tailored for martial arts schools, instructors, and competitors.

#BJJ #MartialArtsInsurance #MisfitsJiuJitsu #GymOwnerTips #RiskManagement #SafeTraining

Why Jiu-Jitsu Schools Should Partner with Charter Schools

Charter Schools are offering money to martial arts schools to teach their students.

Charter schools are known for their flexibility in programming and their focus on student well-being. These schools often seek to enhance their educational offerings by incorporating activities that go beyond the traditional classroom experience. Martial arts programs, like Jiu-Jitsu, can help foster the personal growth of students, teaching valuable lessons in discipline, physical fitness, and conflict resolution. As a result, many charter schools are actively looking for local martial arts academies to send their students to for specialized training.

In states like California, where this trend is particularly strong, charter schools are using funding to partner with local martial arts academies. Gym owners nationwide should prepare for similar opportunities, as more schools begin seeking programs that enhance their students' overall well-being. However, positioning your gym as a preferred provider requires more than just offering great instruction.

Insurance Considerations for Charter School Partnerships

One critical factor for partnering with charter schools is meeting their insurance requirements. Schools typically require service providers to list the charter school as an Additional Insured on the gym’s liability insurance policy. This ensures the school is protected in case of incidents that occur during student training.

However, adding a school as an Additional Insured is not as simple as writing their name on the Certificate of Insurance (COI). Many insurance policies require a specific endorsement called an Additional Insured Endorsement (AIE), which may involve notifying the insurance company or paying additional premiums. Some policies include blanket endorsements that automatically cover such arrangements, but gym owners must confirm that all documentation is complete and accurate.

Preparing Your Gym for Success

To ensure compliance, work closely with your insurance agent to understand your policy's terms and secure the appropriate endorsements. Proper planning not only protects your gym but also makes it an attractive partner for charter schools.

With the growing popularity of these partnerships, now is the time to act. Reach out to local charter schools, showcase your program's benefits, and consult your insurance professional to ensure you're ready to take advantage of this expanding market.

Running a successful Jiu-Jitsu gym isn’t just about teaching techniques and building a community—it’s also about protecting your business and your members. From commercial liability to accident coverage, having the right insurance programs in place is essential for safeguarding your gym against unexpected risks. In this next post, we’ll explore the must-have insurance policies every Jiu-Jitsu gym owner should consider. Click here to learn more and ensure your gym is properly protected.

5 Reasons Jiu Jitsu Athletes Need Personal Injury Insurance.

Brazilian Jiu Jitsu (BJJ) is an intense and exhilarating martial art that challenges both the body and mind. However, like any sport, it carries a high risk of injury. Whether you’re a seasoned grappler or a newbie on the mats, having injury insurance is a crucial aspect of getting you back on the mats after injury. Supplemental injury insurance (think like AFLAC) provides the injured grappler with the cash they need to get treatment for injuries so that they don’t have to put off medical care. Here are five compelling reasons why every Jiu Jitsu athlete should consider investing in injury insurance for about $25 per month: 

1. Injuries Are Inevitable

Injury is an inherent part of BJJ. The sport involves a range of dynamic movements, joint locks, and throws that put considerable strain on the body. It's not a matter of if you’ll get injured, but when. According to studies, BJJ athletes experience injuries at a higher rate than participants in other sports. A personal injury insurance plan, often available for just $25 per month, is a no-brainer. This minimal investment can help cover medical expenses from injuries sustained on the mats. Given the frequency of injuries in BJJ, having this insurance is a proactive measure to ensure you’re financially protected when accidents happen.

2. Indemnity Plans Provide Direct Cash Benefits

One of the standout features of many injury insurance plans is that they are indemnity plans. Unlike traditional health insurance which often deals with direct billing and may involve complex reimbursement processes between insurance companies and medical clinics, indemnity insurance plans send you cash directly based on the schedule of benefits that the insurance plan lists as covered services and conditions. This means that even if you have other insurance coverage, these plans provide additional financial support. You receive the cash payout to cover medical bills, or you can use it as you see fit if there are no immediate medical bills. This flexibility ensures that you’re not left out of pocket or struggling with medical expenses during recovery.

3. Coverage Beyond Your Home State

Many BJJ athletes travel frequently, whether for competitions, seminars, or training camps. One common pitfall of standard health insurance is that it may not cover injuries sustained outside of your insurance network, or home state. Injury insurance plans often provide 24/7 coverage, regardless of your location. This means that whether you’re traveling across the country or in some cases internationally, you’re protected. Knowing that you have coverage no matter where you are gives you peace of mind and allows you to focus on your training and performance without worrying about potential medical costs.

4. Comprehensive Coverage for All Activities

Injury insurance plans for BJJ athletes don’t just cover injuries sustained during training or competition. Many of these policies are designed to cover a wide range of scenarios, both on and off the mats. Whether you’re injured while working at your day job, participating in recreational activities, or even during everyday activities, these injury insurance plans offer 24/7 protection. This comprehensive coverage ensures that you’re not left exposed to financial burdens from injuries from BJJ as well as for injuries unrelated to jiu jitsu. These programs provide a valuable safety net that extends beyond your time on the mats, offering reassurance in various aspects of your life.

5. Added Protection with Accidental Death Benefits

Most BJJ athletes focus primarily on the physical aspects of their training but often overlook the importance of life insurance. Many personal injury insurance plans include accidental death benefits, providing an added layer of protection. While the primary function of these plans is to cover medical expenses, the inclusion of accidental death coverage ensures that you and your loved ones are financially safeguarded in the event of a tragic accident. This extra benefit offers peace of mind, knowing that you’re not only covered for medical costs but also have some level of financial support for your family if the unexpected happens.

Conclusion

Injury insurance should be a consideration for every Jiu Jitsu athlete. The nature of the sport makes injuries a common occurrence, and having the right insurance can make a significant difference in managing those injuries effectively. With indemnity insurance plans offering direct cash benefits, coverage that extends beyond your home state, and protection for a variety of activities, injury insurance provides comprehensive support for everyone. 

Investing in injury insurance is not just about protecting yourself financially; it’s about ensuring you can continue pursuing your passion for BJJ with confidence without worrying about medical bills if you get hurt. For a small monthly fee, you gain peace of mind and financial protection that can help you focus on what you love most—training and competing in Brazilian Jiu Jitsu.

Quintet Jiu Jitsu Competitions: Rules, Risks & Insurance.

Quintet-style "Team-Based" Jiu Jitsu competitions have been gaining popularity in recent years, catching the attention of martial arts enthusiasts. This article serves as a friendly guide to help you grasp the ins and outs of these events. We'll take a closer look at the buzz within the community, pointing out the good and not-so-good sides. Moreover, we'll highlight the importance of being aware of potential injuries and exploring the essential rules involved. Whether you're considering organizing one of these events or participating as a fighter, we'll explain how insurance can be a valuable safety net. We'll also touch on options for athletes looking to ease the financial burden of medical bills in case of an injury. As we embark on this journey, remember that this article can serve as a general outline of awareness, particularly important for promoters who need a risk management plan to host these exciting competitions.

How do Quintet Winner-Stays-On Bjj events work?

In the captivating realm of Quintet, the essence revolves around endurance and the mastery of submission, all with the ultimate objective of outlasting rival teams. This format exhibits remarkable flexibility, seamlessly adapting to a myriad of scenarios. For example, it's quite common to witness Brazilian Jiu Jitsu (BJJ) gyms organizing their teams and hosting local events, often extending invitations to three neighboring gyms. Typically, each of these teams consists of five participants, all converging for intense submission grappling showdowns.

It's worth noting that these teams are usually composed of five competitors who collectively adhere to a weight limit of 430kg, roughly 950 pounds. However, teams retain the freedom to structure their rosters as they see fit, provided they remain beneath this specified 430kg threshold as a cohesive unit.

The rules governing these captivating Quintet-style Jiu Jitsu competitions are, in essence, straightforward. Here, one representative from each team steps onto the mat, regardless of their size. Their primary objective? To secure a submission victory, granting them the opportunity to continue on the mat. This dynamic can set the stage for an awe-inspiring scenario where an exceptionally skilled grappler may embark on a mission to single-handedly dismantle the entire roster of opposing teams through a succession of submissions.

To shed more light on the competitive dynamics, the action initiates with a face-off between two fighters, each proudly carrying the banner of their respective teams. The victor of this initial battle proceeds to take on the next challenger from the opposing team. In the event of a match ending in a tie, both contenders momentarily step aside, making way for the next pair of fighters to step into the gripping arena.

It's worth emphasizing that this unique format extends beyond the boundaries of competition. Beyond the takedowns and submissions, it serves as a fantastic platform for building community and fostering camaraderie in the BJJ world. As one Redditor, @Kinghob, aptly noted, some benefits of this format is a great way to build community and camaraderie in the BJJ world. He mentioned a recent event called "Submission on the Shore," where individuals from different gyms, who already cross-train together, formed teams to engage in quintet-style battles. Here, "the focus wasn't on bruised egos but rather on coming together as squads and aiming to create memorable highlights in the spirit of friendly competition".

What are The individual Quintet match Rules ?

In a Quintet match, scoring points or gaining advantages is not a part of the game. The rules are pretty straightforward: there are just two ways to secure a victory and move on to the next match. A competitor can emerge victorious through either a submission, where they force their opponent to give up, or through disqualification, which occurs when their opponent uses an illegal move or accumulates three stalling penalties in a single match.

It's worth noting that Quintet differs from other major BJJ promotions like IBJJF or ADCC in its approach to stalling calls. In Quintet, referees are more lenient in making these calls. They may however flag an athlete for stalling from any position if they are not genuinely trying to advance the fight, making it a unique aspect of this competition.

Fighting out of a choke at a jiu jitsu event.

How Long Are Quintet BJJ Events?

Typically, individual matches in Quintet-style events consist of a single 8-minute round. Some reviewers, such as @GrapplingRewind on Reddit, have addressed the time expectations of this format, shedding light on its potential for extended durations. This format, even with a three-on-three setup, demands a minimum of 3 matches and can extend to as many as 5 matches within a single group. Moreover, the rules often lead to a significant number of draws, resulting in many matches going the full allotted time, making the events quite time-intensive.

While Quintet-style events undoubtedly offer excitement and intrigue for spectators, it's important to acknowledge the time-related concerns that accompany this format. The review accentuates that while the format has its merits, the outlined time-related issues persist as an integral part of the experience.

Are injuries higher for this style bjj events?

In the exploration of injury rates in Quintet-style events, it becomes evident that several factors may contribute to the possibility of elevated injury occurrences. One of the key elements in this dynamic is the variability in skill levels, experience, and weight differences among participants. The very nature of these team competitions, where fighters are under high-pressure scenarios to perform for their teams and enthusiastic audiences, could create an environment that raises the odds of injuries.

An illustrative example of this is the case of Cub Swanson facing Jake Shields in a Quintet Ultra event. During a semi-final match between team UFC and team WEC, the two fighters encountered a precarious situation when Jake Shields, despite being in a knee-reap position, executed a leg lock sweep that placed immense pressure on Swanson's knee. This specific maneuver, typically considered illegal in various grappling styles, resulted in an injury, with Cub Swanson revealing later that he suffered a torn ACL and meniscus. The examination of incidents in Quintet-style events underscores the increased susceptibility to injuries due to the distinctive dynamics and techniques involved, contributing to higher injury rates compared to traditional competitions. Recognizing this heightened risk, competitors in such events may find it prudent to explore supplemental injury insurance programs. These programs, with a nominal monthly cost of approximately $25, offer insurance coverage that directly compensates grapplers in cash when injuries occur, irrespective of their existing insurance coverage.

In light of the growing popularity of these supplemental insurance programs, competitors may be inclined to consider them as a proactive measure to mitigate the financial impact of injuries. Notably, these programs often extend their coverage to include organized competitions, such as Quintet-style events, providing an added layer of protection tailored to the unique risks associated with this specific style of competition. The allure of receiving direct cash benefits, independent of other insurance coverage, further enhances the appeal of these programs among grapplers seeking comprehensive and accessible financial protection in the event of injury. As the landscape of competitive grappling evolves, the adoption of such supplemental insurance programs reflects a pragmatic response to the distinctive challenges posed by Quintet-style events.

Quintet the Future of BJJ Events? Insights for Competitors and Organizers.

A reviewer, Mike_Re on Reddit, well-versed in Quintet-style events, shed light on several factors that event promoters might want to consider. First and foremost, they noted that team events like Quintet could introduce a unique layer of pressure, especially for hobbyist competitors who might grapple with the apprehension of letting down their club. While this concern may not always be entirely rational, it undeniably holds significance for certain individuals within the community.

Additionally, the reviewer posed a thought-provoking question regarding the event's viability, particularly from an organizer's standpoint. They pondered whether Quintet-style competitions should primarily aim to establish themselves as spectator sports, potentially necessitating substantial ticket sales for financial sustainability. An alternative approach could involve integrating Quintet with a traditional elimination competition. However, this path comes with its set of logistical challenges, such as determining the optimal timing for Quintet in relation to the main event, ensuring sustained audience engagement, and addressing the potential involvement of participants as coaches, all of which present unique hurdles for event organizers to navigate.

In the reviewer's perspective, the key to the success of this competition format lies in its potential for audience growth and the development of professional streaming capabilities. As the demand and viewership expand, larger organizations or local competitions seeking greater exposure might find Quintet-style events an appealing form of promotional content, possibly embracing them on platforms like YouTube. This forward-looking approach could pave the way for a more sustainable future for these events, offering event promoters a strategic avenue to explore.

Can I add Quintet style event coverage to my gym liability insurance policy?

Organizing Jiu Jitsu events, especially tournaments like the Quintet-style competitions, can be an exhilarating experience, but ensuring the safety and well-being of participants and protecting against potential liabilities is paramount. It's crucial to understand that your regular Jiu Jitsu gym insurance policy may not automatically extend coverage to your event. So, does your BJJ gym liability coverage cover an in-house event like this? The process involves requesting permission from underwriters, who may issue you an 'endorsement' to include the event under your existing policy. These Quintet-style event policies typically cost around $5 per participant, but the specific premium may vary based on location and activity risk.

What if I don't have a gym liability policy that can endorse this type of jiu jitsu event?

This is particularly relevant if you plan to host your event in alternate venues outside of an jiu jitsu gym. In such scenarios, most Jiu Jitsu school liability insurance programs typically don't encompass competitions or tournaments. Therefore, it becomes imperative to obtain a separate event policy tailored to BJJ events. In the case of offsite events, such as those held in a middle school gym, a bar, a community center, or an outdoor festival, a specialized BJJ event policy is a necessity. If you decide to go for an event-only policy, which operates independently from a school policy, it's essential to be aware that it often includes "minimum required premiums." These minimums typically hover around $100 for the accident plan and roughly $500 for the liability portion of the insurance.

To obtain comprehensive coverage, it's advisable to work with specialized insurance brokers like those at JiuJitsuInsurance.com. They can assist in submitting applications to underwriters for review, ensuring participant liability and accidental medical coverage.

We hope that this guide has provided you with some awareness surrounding some of the dynamics inherent in these growing Quintet style bjj events and emphasizing the importance of injury awareness. With the growing popularity of Quintet tournaments, it becomes crucial for competitors to prioritize personal protection by considering supplemental injury insurance before they compete. Simultaneously, event promoters are encouraged to prioritize comprehensive coverage, safeguarding not only the event but also their schools, brands, and reputations. If you find yourself in the role of a promoter gearing up to host such thrilling competitions, we recommend scheduling a call with our seasoned BJJ insurance agents. Our expertise can guide you to the necessary insurance policies, ensuring that your Quintet-style Jiu Jitsu competitions are well-prepared, and fully covered.

*If you're considering hosting events at your own Jiu Jitsu school, adding them as an endorsement to your school policy for a reasonable fee of approximately $5 per participant, with no minimum premiums, can be a strong incentive to review your current insurance policy through our brokerage. Comparing it with specialized insurance providers offering comprehensive coverage for these events at an affordable cost, alongside insuring your gym's day-to-day business operations, is a prudent step. Prioritizing participant safety and reducing liability risks is paramount when venturing into the realm of Jiu Jitsu competitions.

Training Jiu Jitsu Without Health Insurance: The Risks

Jiu Jitsu, a martial art known for its physical and mental benefits, has attracted countless enthusiasts seeking to embark on a rewarding journey. One such individual, Dorian, found himself captivated by Jiu Jitsu after hearing about its positive impact on the "Joe Rogan Experience" podcast. He started his journey as a white belt and quickly progressed to a blue belt, competing in numerous tournaments and falling in love with the sport. However, Dorian's story took a turn for the worse when he suffered an injury during a competition. Sadly, he lacked health insurance at the time, leading to a series of untreated injuries that ultimately impacted his ability to stay consistent in training. At JiuJitsuInsurance.com, we believe in the importance of protecting Jiu Jitsu practitioners from unforeseen injuries and their potential consequences, which is why we offer tailored insurance plans for BJJ athletes like Dorian to ensure a safer and more sustainable journey on the mats. Here is a recap of Dorian’s personal journey from his podcast - The Dorian Develops Podcast.

The Passionate Journey:

Dorian's Brazilian jiu jitsu (BJJ) journey began with the inspiring words of others who spoke highly of the sport's transformative power. Intrigued by their testimonials, he decided to give it a try and was hooked from the very first class. He felt the adrenaline and exhaustion, the unmistakable signs of a legitimate martial art that left him yearning for more (that post-roll high). Eager to progress, Dorian swiftly moved from white to blue belt in just 13 months and immersed himself in countless competitions, relishing the camaraderie and challenges the sport offered.

The Turning Point:

Dorian's passion for Jiu Jitsu came to a halt when he encountered a setback during a blue belt competition at the Master Worlds. Paired with a more advanced opponent, he suffered a severe injury to his knee and faced the harsh reality of not having health insurance to cover the medical expenses. Unable to afford an MRI, he settled for a general doctor's "rough idea" of the injury, which led to improper treatment. Despite taking time off to recover, Dorian found himself in constant pain, unable to maintain a consistent training routine.

Lingering Injuries and Regrets:

Over the years, Dorian accumulated various untreated injuries, from finger dislocations and rib injuries, to neck and back strains. Each neglected injury added to his physical discomfort, affecting his overall well-being and limiting his time on the mats. In Dorian’s case, the failure to seek proper medical attention when these injuries first occurred, had led to more serious and lingering health issues.

The Importance of Insurance:

Dorian's story serves as a cautionary tale for all Jiu Jitsu enthusiasts. While pursuing our passions, we must be prepared for the unexpected. The lack of health insurance not only prevented Dorian from receiving immediate and proper treatment for his injuries, but also impacted his ability to continue training and enjoying the sport he loved. Thankfully, there is a solution - individual injury insurance programs designed specifically for athletes like him.

The JiuJitsuInsurance.com Solution:

At JiuJitsuInsurance.com, we understand the unique needs of the grappling community and the importance of safeguarding practitioners against unforeseen injuries. Our insurance programs provide peace of mind by offering cash benefits directly to the insured when injuries occur. With coverage for medical treatments, scans, and physiotherapy, our plans ensure that you can choose the best care without worrying about financial strain.

Affordable Protection for Jiu Jitsu Athletes:

Contrary to popular belief, comprehensive insurance coverage for Jiu Jitsu practitioners that cover their injuries from bjj traiing is not an exorbitant expense. The insurance programs that cover injuries and accidents for individuals (whether they grappler or not) start at around $25 per month and some of the programs include accidental death life insurance, providing an extra layer of financial protection for your loved ones. These coverage typically will cover you for injuries that happen both on and off the mats.

Conclusion:

Dorian's journey in Jiu Jitsu is a testament to the passion and dedication that many practitioners share for this incredible martial art. However, his unfortunate experience highlights the need for proactive measures to protect ourselves from unexpected injuries. At JiuJitsuInsurance.com, we encourage all Jiu Jitsu enthusiasts to consider the value of insurance coverage, which can make a significant difference in the face of adversity. Let Dorian's story serve as a reminder that with the right insurance protection, you can prolong your training and continue pursuing your passion for Jiu Jitsu without unnecessary worries.

Don't wait for an injury to occur; protect yourself today! To learn more about our tailored insurance plans >> CLICK HERE.

Remember, accidents happen in Jiu Jitsu, but being prepared can make all the difference! Stay safe, stay insured, and keep rolling!

McDojo Breakdown: $46M Lawsuit Warns Jiu Jitsu Gym Owners.

In April 2023, the McDojo Breakdown YouTube channel posted a video entitled “The Incident”, which examines the $46 million dollar lawsuit resulting from a tragic 2018 accident at Del Mar Jiu-Jitsu Club in which a student was paralyzed. In addition to a more thorough explanation of the case, McDojo Breakdown cites two key definitions, and issues a challenge to jiu jitsu gym owners.

The two relevant definitions are:

• Negligence - failure to use reasonable care resulting in damage or injury to another.

• Intent - intention or purpose.

  The challenge for gym owners is this: How will you move forward with intent towards keeping your students safer, and avoiding your own negligence case? And what have you learned from this case that you will use to make your students safer? At Jiu Jitsu Insurance, we believe that every gym owner should be asking themselves these questions, and documenting their answers in a risk management plan. This lawsuit reminds all of us that tragic accidents do happen, even despite the best efforts and intentions of coaches and gym owners. In a worst case scenario where you are taken to court for a similar case, there will be a heavy focus on the details of your risk management plan, both during the trial, and on applications for the insurance companies defending you. The court and the insurance companies will want to know not only that you have a strong risk management plan in place, but that all of your coaches, volunteers, and employees are aware of the plan, and that it is reviewed on a regular basis. Our main recommendations for jiu jitsu gym owners are as follows:

  Have a strong risk management plan in place, and make sure to review it regularly with all staff and volunteers.

  Make sure that your insurance policies are up to date. Even if you think they are, it’s worth it to double check - some insurance payments were paused during COVID, which led to some gym owners forgetting to restart their payments, leaving them without the essential coverage they thought they had.

  Know exactly what your gym insurance policy covers.

  Does your liability insurance cover the specific activities in which students participate in your gym? Not all policies cover jiu jitsu or mixed martial arts activities. Are open mat participants covered under your policy? What about coaches and other staff?

Our final and most important recommendation for jiu jitsu gym owners is this: never assume!

Don’t assume that your policy is up to date or that your premiums are paid, take the time to check. Don’t assume that everyone who needs coverage (coaches, employees, volunteers, open mat participants) is covered—make sure to check. Don’t assume that all of your gym’s activities are covered—always, always check.

If you need more information on risk management plans, policy details, or any other questions about insurance for your jiu jitsu school, give Jiu Jitsu Insurance a call. Learn from the tragedy of the Del Mar Jiu-Jitsu Club case—make sure you are protecting your students, your school, and yourself.

Here are a few examples of mistakes bjj gym owners make when buying liability insurance for their gym.

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Medical Bills in Jiu Jitsu: Liability & Insurance Explained

Who's responsible for medical bills when we injure a training partner in jiujitsu?

That is an excellent question proposed on the Chewjitsu’s podcast YouTube channel:

“A lot of people have sent me messages recently (mostly white belts and a few blue belts) that said that recently had a situation where they were rolling and then their training partner got injured during that roll. And they feel terrible about it, they feel awful and responsible for it and they don’t know how to proceed. Because they’re like “Man I feel awful about the situation, what should I do? Am I responsible for this, should I pay for their medical bills? What should I be doing now that this person got injured because I’ve taken them off the mats for you know 2 weeks, 3 months, whatever it might be depending on the situation”

Am I responsible for medical bills?

Chewy does a good job of putting the perspective on the assumption of risk. He understands that for the most part, we’re all there to train and accidents or injuries are going to happen. He does a great job of summarizing the fact of the sport as a whole: “it’s not a matter of if, it’s a matter of when somebody’s going to get hurt in their training environment.”

Of course, we can work to control and mitigate risks. That is very important in any Jiu Jitsu school, controlling the environment to prevent injuries. Still, Chewy is absolutely right, people are going to get hurt in the gym.

From a business owner's standpoint, the gym owner needs to look at this from a risk management perspective. The fact is Jiu Jitsu is highly competitive and the chances of injury can be higher when compared to other sports. This is especially true when compared to sports with less contact or sudden movements. It is also equally important for each individual participant that gets on the mat to understand these realities of the sport. Accidents and injuries are going to happen, and they should look to train as safely as possible. Knowing how to pay for those medical bills when and if we get injured is also important.

How can insurance help when injuries happen in jiu jitsu?

Medical services such as physiotherapists and doctors can be pricey, not to mention the inability to work that may arise. Getting hurt and treating injuries costs money. My suggestion for every single grappler is to have specific injury policies to cover this.

These supplemental insurance programs apply on and off the mats, covering practitioners even when they are not training. They provide coverage when you are at home, or on the job to help offset the cost associated with medical bills and time off of work.

Even if you have other insurance this accident injury program works as a supplemental payer and will still apply. Therefore, we believe every grappler on the mat should have a Jiu Jitsu personal injury insurance policy. In fact, training without health insurance is a risk.

Is training BJJ without health insurance a bad idea?

We do not think you should stop training jiu jitsu just because you don’t have health insurance. Instead this article provides tips to treating injuries and covers ways for you to pay those bills without traditional health insurance.

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Revamping Safety: A New Era of Risk Management in BJJ.

The landscape of the Brazilian Jiu Jitsu (BJJ) industry experienced a seismic shift following the recent $46 million lawsuit against Del Mar Brazilian Jiu Jitsu. The repercussions of this landmark case have been far- reaching, impacting how gym owners operate and how they perceive and manage risks within their training environments. It has raised questions about established practices, and heightened scrutiny, and compelled gym owners to revisit their risk management plans.

Importance of Risk Management in Brazilian Jiu-Jitsu Gyms

We are keenly aware of the significant role that risk management plays in Brazilian Jiu-Jitsu gyms. Our perspective is that a comprehensive risk management plan must be thoroughly conceptualized, well documented, and regularly reviewed with all gym personnel, including coaches and other employees. This approach highlights the complex responsibilities of gym owners in devising, continually refining, and effectively communicating risk management strategies.

Creating a conducive training environment that is safe, healthy, and beneficial for trainers and trainees alike is largely the responsibility of the owners. Understanding that risk awareness is a collective duty beyond simple knowledge and adherence is essential. In this setting, coaching staff and gym employees are equally vital in ensuring the successful implementation of these risk management plans.

A New Era of Protocols and Procedures

The recent Del Mar lawsuit has instigated a transformational shift, encouraging gym owners to reconsider their conventional operational practices. While previously employed strategies may have been successful, adaptation and innovation are now paramount. This legal development has required a comprehensive review of gym policies, leading to an amplified focus on potential juror viewpoints.

At JiuJitsuInsurance.com, we strongly believe that Brazilian Jiu-Jitsu gym owners need to reassess their operations in light of this lawsuit. The legal action has ushered in new protocols and procedures that demand consideration. Understanding the judicial viewpoint from which gym operations might be assessed has never been more crucial.

Without question, this emerging era of protocols and procedures underscores the significance of sensible risk management in Brazilian Jiu-Jitsu gyms. As the industry grapples with these changes, gym owners, coaches, and trainers must equip themselves with the necessary knowledge, strategies, and resources to manage risks responsibly and effectively.

Utilizing Outside Resources for Risk Management

In the wake of the Del Mar lawsuit, now's a great time to draw wisdom from others in the sport for risk management. The Jiu-Jitsu community has access to a multitude of resources, many of them available right at our fingertips. For instance, YouTube offers extensive content from seasoned practitioners who share invaluable insights into reducing risks at the gym. A standout voice amidst these is that of John Danaher, renowned Brazilian Jiu-Jitsu and mixed martial arts instructor and coach from New Zealand, recognized for his authoritative and strategic approach to injury prevention.

John Danaher on Reducing Injury Risk in Brazilian Jiu Jitsu

John Danaher's perspective on risk management in Brazilian Jiu-Jitsu gyms sheds light on how the culture and environment within these spaces play a critical role in mitigating injury risk. His philosophy pivots on a singular keyword - 'control.’

John Danaher says that there is one word he uses to describe how you can manage the culture and the environment in your gym to reduce the risk of student injury. The more controlled the movement and even the minds of Jiu-Jitsu practitioners, the lower the injury rate.

In this ethos, control is twofold; it refers to the physical control of movement during training, but it also emphasizes mental control, specifically the ability to regulate emotions, competitiveness, and the overall mindset during a match or practice.

How Control Impacts Injury Rates

John Danaher elaborates on control: "If you make control rather than outcome the central focus of both yourself and your training partners, you will find injury rates, particularly small-scale injury and severe injuries, go down over time."

This indicates that a shift in focus can make a world of difference. Prioritizing control of the body and mind over the outcome of a match or session results in fewer injuries over time. This means fostering a gym culture that prizes mutual respect and self-control, understanding that these are the building blocks of a safe training environment.

Gym culture plays an outsized role in injury prevention. If both gym owners and practitioners committed to fostering an environment where control and safety are at the helm, the impact on injury rates will be profound. The idea is not just about winning or mastering techniques but about learning, growing, and practicing in a way that values every individual's safety and well-being.

By integrating such strategies and philosophies into their risk management plans, gym owners can mitigate the likelihood of incidents and cultivate a culture that puts safety first. John Danaher's insights can serve as a guidepost in this endeavor, helping owners and coaches shape the ethos of their gyms.

Turning Risk into Control: The Future of Brazilian Jiu-Jitsu Gyms

The Del Mar Brazilian Jiu Jitsu lawsuit marks a turning point in the industry, compelling gym owners to reevaluate their risk management plans. John's assertion that "control rather than outcome" must be the central focus in the gym culture for injury rates to reduce over time rings louder now more than ever. Gym owners need to be proactive in creating safer environments for their students and staff. This not only ensures their well-being but also reduces legal risks. Should you need guidance on liability insurance or other methods to minimize risk in your gym, do not hesitate to reach out.

Together, we can create a safer Brazilian Jiu-Jitsu community.

The Del Mar Jiu-Jitsu Case: Implications for Martial Arts Liability & Insurance.

This article delves into the significance of the Del Mar Jiu-Jitsu case and its implications for martial arts liability and insurance. Attorney Gabe D'Antonio's comprehensive overview of the jury verdict provides valuable insights into the reasoning behind the ruling. Moreover, the article highlights essential risk management strategies for gym owners, emphasizes the importance of appropriate insurance coverage, and stresses the need for gyms to regularly review and update their risk management plans.

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Martial Arts Liability: Lessons from Del Mar Jiu Jitsu Case.

On May 4th, 2023, Attorney Gabe D'Antonio of Gordon & Rees released a comprehensive paper on the $46 million jiu-jitsu lawsuit. In his well-written overview, Attorney D'Antonio, who is an avid practitioner of jiu-jitsu alongside his legal practice, offers insights into the jury verdict, outlining its implications for the sport now and in the future. Titled "What Del Mar Jiu-Jitsu Case Means for Martial Arts Liability," this article is a valuable resource for gym owners seeking a deeper understanding of the ruling. You can read the full article by clicking here >>. 

What Can BJJ Gym Owners Do Now To Manage This Risk?:

As a prominent case within the Jiu Jitsu community, the Del Mar Jiu-Jitsu lawsuit stands as a reminder that legal battles like this can and do happen in our community, and should not be taken lightly. It also carries a significant message for BJJ gyms: a call to action to thoroughly evaluate and review their risk management plans moving forward. This lawsuit serves as a wake-up call, urging gym owners to prioritize the safety of their participants and take proactive measures to protect against potential liabilities. Within his article, Attorney Gabe D'Antonio emphasizes two crucial risk management strategies that gym owners can implement immediately, to reduce potential liabilities at their facilities:

1. Acknowledging Potential Bodily Harm: Gym owners and operators must never downplay or ignore the physical injuries that can arise from martial arts training. Gym owners can set a precedent for safety and responsible training by recognizing and communicating the inherent risks to participants.

2. Enforcing Discipline and Compliance: Attorneys D'Antonio urges gym owners to be confident when removing students or instructors who fail to follow instructions and the rules, regardless of their belt rank. Gyms can ensure a safer training environment for all participants by maintaining strict discipline and enforcing compliance when it comes to training safely.

Attorney Gabe D'Antonio's two recommendations serve as an excellent starting point for gyms that are in the process of reviewing or creating a comprehensive risk management plan. By emphasizing the importance of acknowledging potential bodily harm and enforcing discipline and compliance, these guidelines place a strong focus on the safety and well-being of BJJ participants. Having a well-developed and regularly reviewed risk management plan is absolutely crucial for ensuring the safety of all participants on the BJJ mats and it should not be overlooked, as in any legal case involving injuries in mixed martial arts, both the defendants and the gym itself will be scrutinized.

A comprehensive risk management plan not only safeguards the well-being of participants but also serves as a vital tool in legal trials, emphasizing the gym's commitment to safety and minimizing potential liabilities. 

The Importance of Keeping Gym Insurance Policies Up to Date:

In addition to discussing risk management strategies in the paper, D'Antonio summarizes the entire situation with a warning to the martial arts community, stating that the long-term effects of the Greener case on the legal practice and martial arts community are yet to be fully understood. He concludes that while it is of hope that this case is an isolated incident, a more realistic expectation is an increase in litigation arising, and advises that BJJ gym owners should have their liability insurance programs reviewed yearly to ensure proper coverage for their unique risks.

Subsequently, Brazilian Jiu-Jitsu Academies should double-check to ensure that their commercial insurance policy provides appropriate coverage for participants in those insurance policies. For example, it is not uncommon for insurance companies to issue general liability insurance to BJJ gym owners and exclude liability for the participants. The problem is that although that type of insurance coverage may be easy to find or cheap to purchase, that contract exposes the gym owner to lawsuits that arise from allegations similar to those from the Jack Greener case. Neglecting participant liability coverage could result from various factors:

1. Lack of Specialization: Insurance agents or brokers who lack expertise in sports or martial arts insurance may overlook the specific needs and risks associated with BJJ or MMA gyms, inadvertently omitting participant liability coverage from the policy.

2. Miscommunication: Poor communication between gym owners and insurance agents can lead to errors. If the gym owner fails to express their need for participant liability coverage clearly, or if the agent overlooks critical aspects of the gym's operations, the resulting policy may not provide the necessary coverage.

3. Assumptions or Generalizations: Insurance agents may make assumptions or rely on generalizations about coverage requirements for businesses in specific industries. In the case of BJJ or MMA gyms, they might mistakenly assume that general liability policies cover participant injuries without thoroughly understanding the unique risks involved.

4. Policy Exclusions: The insurance policy may contain exclusions or limitations easily overlooked or misunderstood. Complex language or buried information in the policy documentation could result in the gym owner and agent missing key details.

5. Lack of Risk Assessment: With a comprehensive risk assessment for the gym, insurance agents may fully grasp the potential risks associated with participant injuries, leading them to pay attention to the need for specific participant liability coverage.

To prevent such oversights, gym owners should seek insurance professionals specializing in sports and recreation, particularly martial arts or combat sports like the insurance brokers at JiuJitsuInsurance.com. Our insurance specialists who also train in the martial art better understand the unique risks involved and can provide appropriate coverage options that address participant liability concerns like these. 

Common Mistakes When Choosing Insurance Coverage.

Owning a jiu jitsu gym comes with significant responsibility. Protecting your business from lawsuits and claims is crucial. Purchasing a commercial general liability insurance plan can help. But, selecting the right coverage can be complex, and mistakes can be costly. In this article, we'll explore common mistakes jiu jitsu gym owners make when choosing insurance coverage and provide guidance on how to avoid them.

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Common Insurance Mistake Jiu Jitsu Gym Owners Make.

Running a jiu jitsu gym comes with significant responsibility, and protecting your business from potential lawsuits or claims resulting from injuries sustained by gym-goers or visitors is crucial for business planning. One way that BJJ schools manage such risks is by investing in commercial general liability insurance programs. However, it's essential to note that not all policies provide the same level of coverage. As a jiu jitsu gym owner, it's imperative to identify the specific coverage you need to operate your gym and avoid mistakes while purchasing it. In this article, we will highlight one of the most common errors we've seen gym owners make when selecting insurance coverage for their jiu jitsu academy.

What's the #1 insurance mistake BJJ gym owners make?

The most significant mistake that jiu jitsu gym owners make is purchasing a bare minimum "general liability policy" that may not extend to participants in their gym's activities. Although general liability insurance can cover third-party injuries or property damage caused by the gym or its employees, it may not cover injuries sustained by participants in jiu jitsu training or competitions.

This is an example of an insurance policy for a “health club” who is offering BJJ, but it does not include liability coverage for the martial arts activities. *Sent to us by a gym owner who received this quote from another agent.

What is participant liability insurance coverage for BJJ?

Not all commercial liability policies provide participant liability insurance coverage. Participant liability coverage is designed to protect businesses that offer sports or fitness activities, such as jiu jitsu schools, against liability claims arising from injuries sustained by participants in those activities.

Gym owners should know that while some commercial liability policies may offer some form of participant liability coverage, it is not always included by default. Businesses that offer sports or fitness activities should check with their insurance provider to determine whether their commercial liability policy includes participant liability coverage. If not, they should consider purchasing it as an additional coverage or as a separate policy to ensure that their gym and participants are adequately protected.

It is crucial to ensure that your jiu jitsu gym has the appropriate insurance coverage to protect against potential lawsuits or claims arising from injuries sustained by gym-goers or visitors. As such, it is essential to review your policy regularly, preferably annually, to make sure that it covers all the activities in your gym adequately.

At JiuJitsuInsurance.com, we understand the unique insurance needs of jiu jitsu gyms and can assist you in reviewing your insurance policy to ensure that it provides the coverage you need for the activities in your gym. We can help you identify any gaps in your coverage and recommend appropriate insurance products to fill those gaps, including participant liability coverage.

At the end of the day protecting your jiu jitsu gym and its participants should be a top priority, and a regular review of your insurance coverage is a critical part of that process. Contact us at JiuJitsuInsurance.com today to get assistance in reviewing your policy and ensure that you have the appropriate coverage.

What else should a bjj gym owner know about insurance?

If you are a gym owner getting ready to review your liability insurance program, then you will want to check out this next article where we will explore three important endorsements for your jiu jitsu school. Click here >>>

Win or Learn - Lessons Learned from a BJJ Lawsuit.

Jiu-jitsu is a highly physical and demanding sport that requires rigorous training and discipline. However, the risk of injury is always present, and instructors must prioritize their students' safety. Fortunately, valuable lessons can be learned from the Jack Greener lawsuit, which has shed light on the importance of risk management in the jiu-jitsu gym.

Recently, Rener Gracie shared his findings from the Jack Greener case with the jiu-jitsu community. The case highlighted some critical lessons that can be applied from a risk perspective in the jiu-jitsu gym. One of the most important takeaways is the need to properly train and prepare students for the moves they will be experiencing. This legal case seemed to favor the idea that students should be taught the jiu-jitsu technique before it is used on or against them during full-intensity live sparring. This technique awareness helps to minimize the risk of injury even if the BJJ move is performed incorrectly. Additionally this case sends a message to BJJ instructors that they should be cautious in training with lower belts and while rolling should only attempt specific techniques if they have complete control over themselves, and their students.

The Jack Greener lawsuit has also identified several "rules of thumb" that coaches should consider regarding student safety in BJJ gyms. These include prioritizing student safety as a jiu-jitsu coach and assessing and minimizing all risks, especially when working with white belts.

Coaches should also avoid being overly aggressive during sparring sessions, as it is a time for learning, not winning. When performing moves that put the neck and spine at risk, instructors must have control over their students as well as when applying spinal submissions or movements, they must also maintain control over themselves.

To create a safer training environment for their BJJ students, gym owners should create or review their risk management plan. This plan should outline how the gym will execute risk management strategies to ensure the safety of its students. The four key focus areas for the risk management plan should be risk identification, risk assessment, risk mitigation, and activity monitoring. By identifying potential risks, assessing their likelihood and potential impact, and taking steps to mitigate them, gym owners can create a safer training environment for their students. Additionally, monitoring all gym activities can help identify and address any potential risks before they become a serious problem.

Recently, Chris Martin, an agent at JiuJitsuInsurance.com who helps gym owners find insurance for their jiu-jitsu gyms, appeared on the "Enter The Guard" podcast. He further discussed these critical lessons and the importance of risk management in the jiu-jitsu gym and explained that jiu-jitsu instructors must prioritize their students' safety and take the necessary precautions to ensure they can train effectively without risking injury.

By following these guidelines and developing a comprehensive risk management plan, gym owners can create a safer and more effective training environment for their students while reducing liability at their gym.

WHAT WILL INSURANCE FOR MY BJJ SCHOOL COST?

If you are opening up a BJJ school you might want to know what it might cost to pay for your gym insurance. This video is a breakdown of what you can expect to budget for the coverage you need when you open a school. Read more >>

3 Essential Insurance Add-Ons for Jiu Jitsu Gym Owners

Starting your own Jiu Jitsu gym can be an exciting and rewarding venture, but it also comes with its own set of risks and challenges. One of the most important aspects of running a successful Jiu Jitsu gym is having the right insurance coverage in place to protect yourself and your business.

However, many Jiu Jitsu coaches who open their own gyms may not have a clear understanding of what type of insurance they need, and how to properly add endorsements to their policies. This lack of knowledge and understanding can leave gym owners at risk, and potentially facing legal and financial liabilities.

In this article, we will explore the importance of having proper insurance coverage for your Jiu Jitsu gym, and why adding endorsements to your policy is crucial for protecting your business. We'll discuss three common endorsements that Jiu Jitsu gym owners should consider adding to their policies, and how these endorsements can provide additional coverage for specific risks and situations. By the end of this article, you'll have a better understanding of how to protect your Jiu Jitsu gym with the right insurance coverage, and how to ensure that your business is fully protected against potential risks and liabilities that are not always covered in every bjj gym insurance policy. 

What is an insurance company endorsement?

In the context of a Jiu Jitsu business liability insurance policy, an endorsement is a modification to an existing policy that adds, removes, or changes coverage. This specific provision extends or modifies the terms and conditions of the policy to provide additional coverage for certain risks.

Endorsements are typically written documents that are attached to the policy and become part of the policy's terms and conditions. They can be added to a policy at any time, but usually require an additional premium to be paid and reporting to your insurance broker to add them.

As a Jiu Jitsu gym owner, it's important to have the right insurance coverage to protect yourself and your business. That's why in this article, we will discuss three crucial endorsements that every Jiu Jitsu gym owner should consider adding to their policy. 

The three  endorsements that we will be discussing in this article include adding 1099 independent coaches to your gym policy, getting insurance coverage for in-house events, and adding a hired and non-owned auto liability endorsement for driving students to and from events or outside the gym activities.

1) Hired and Non-Owned Automobile Insurance: If a Jiu Jitsu gym owner regularly transports athletes or spectators using vehicles, it's crucial to have the right insurance coverage in place. Purchasing hired and non-owned automobile liability coverage can be a smart option to protect against third-party claims that may arise from accidents during transportation to events or competitions. 

By adding hired and non-owned automobile liability coverage to your insurance policy, you can ensure that your Jiu Jitsu gym is fully protected against the risks associated with vehicle transportation. This coverage can be an essential risk management tool for gym owners who frequently transport people, and can provide peace of mind knowing that your business is covered in the event of an accident or other incident.

2) Coverage for 1099 independent coaches: If you're a Jiu Jitsu gym owner who hires independent contractors to teach classes, you need to have the right insurance coverage in place to protect your business. Adding endorsements for 1099 employees to your insurance policy can provide coverage for accidents or injuries that may occur during classes taught by independent contractors.

These endorsements are crucial for mitigating potential liabilities and protecting your business from costly legal and financial risks. Additionally, having the right insurance coverage can help attract high-quality independent contractors to your gym. 

3) Adding coverage for in-house events: As a Jiu Jitsu gym owner, it's crucial to have the right insurance coverage in place to protect your business and your students. This includes having endorsements for in-house Jiu Jitsu exhibitions or tournaments. 

Endorsements for in-house events can provide coverage for potential liabilities that may arise during exhibitions or tournaments, such as injuries to participants, spectators, or damage to property. Without the right insurance coverage, gym owners could be exposed to costly legal and financial liabilities that could potentially put their business at risk.

In conclusion, as a Jiu Jitsu gym owner, it's crucial to have the right insurance coverage in place to protect your business and your students. Adding endorsements for hired and non-owned automobile liability, 1099 employees, and in-house Jiu Jitsu exhibitions or tournaments to your insurance policy can provide coverage for potential liabilities that may arise during these activities.

However, it's important to note that every insurance policy is different, and it's essential to speak with your insurance agent to make sure you have the right coverage in place for your gym's specific needs. Your insurance agent can help you understand the coverage limits and exclusions of your policy and provide guidance on which endorsements may be necessary to adequately protect your business.

Ultimately, taking the time to ensure you have the right insurance coverage in place can help protect your gym from potential legal and financial liabilities, attract high-quality talent to your gym, and build a strong, loyal community of students and participants. Don't hesitate to speak with your insurance agent about adding these crucial endorsements to your policy today.

DO I NEED SEXUAL ABUSE AND MOLESTATION INSURANCE FOR MY JIU JITSU GYM?

Jiu Jitsu gym owners may need sexual abuse and molestation (SAM) insurance coverage to protect their gyms against financial losses resulting from lawsuits and claims related to sexual abuse, physical abuse, or other forms of misconduct that occur within their business. Find out if you need this type of insurance for your BJJ School. Read more >>

Do we need Incident reporting at our BJJ gym?

Jiu Jitsu is a martial art that requires discipline, respect, and a commitment to learning. As with any physical activity, there is always a risk of injury, and it's important to have a system in place to address incidents that occur in the gym. Incident reporting is a critical aspect of maintaining a safe and supportive training environment. By having a clear protocol for reporting accidents or injuries, gym owners and instructors can quickly identify and address any potential safety issues. This not only helps to protect the students, but also helps to prevent future incidents from occurring. In this blog post, we will explore why it's important that a Jiu Jitsu gym has a system for incident reporting, and how this system can help to create a safe and supportive training environment for all students.

In addition to maintaining a safe and supportive training environment, having a system for incident reporting is also important from a legal perspective. In the event of an accident or injury, a gym may be subject to legal action. In these situations, having accurate and detailed records of past incidents can be crucial in defending against lawsuits.

Without a system for incident reporting, it can be difficult to remember the details of past incidents. Over time, memories can fade, and important details may be forgotten. By implementing a system for incident reporting, gym owners and instructors can ensure that accurate and detailed records are kept for every incident that occurs. This information can be crucial in defending against legal action and protecting the gym and its students.

Furthermore, a system for incident reporting can also help to identify potential safety issues and areas for improvement. By reviewing incident reports, gym owners and martial arts instructors can identify patterns or trends in the types of incidents that occur. This can help to identify areas where additional training or safety measures may be needed to prevent future incidents.

An incident report is a formal document that provides a detailed account of an accident or injury that has occurred in the gym. It is important to document incidents as soon as possible, ideally immediately following the incident while the details are still fresh in everyone's minds. This ensures that accurate and detailed information is captured, which can be used to address the issue and prevent future incidents from occurring.

When documenting an incident, the report should include the following information:

1. Date and time of the incident.

2. Location of the incident.

3. Names and contact information of all individuals involved in the incident, including witnesses.

4. Description of the incident, including what happened, how it happened, and what injuries were sustained.

5. Any actions taken immediately following the incident, such as administering first aid or contacting emergency services.

6. Contact information for any medical professionals who treated the injured party.

7. Any relevant photos or videos of the incident or injuries.

8. A conclusion or summary of the incident, including any follow-up actions that were taken or that need to be taken in the future.

It is important to be as detailed and accurate as possible when documenting an incident. The report should be objective and avoid assigning blame or making assumptions about what happened.

By documenting incidents in a clear and detailed manner, gym owners and instructors can help to create a safer and more supportive training environment for their students. This information can also be used to identify patterns or trends in incidents, allowing gym owners and instructors to take proactive measures to prevent future incidents from occurring.

In summary, having a system for incident reporting is not only important for maintaining a safe and supportive training environment, but also for protecting the gym from legal action and identifying areas for improvement. By implementing a system for incident reporting, gym owners and instructors can help to ensure the safety and well-being of their students, while also protecting themselves from potential legal action.

Does My Jiu Jitsu Gym Need Sexual Abuse Insurance?

Jiu Jitsu gym owners may need sexual abuse and molestation (SAM) insurance coverage to protect their gyms against financial losses resulting from lawsuits and claims related to sexual abuse, physical abuse, or other forms of misconduct that occur within their business. This type of insurance provides coverage for the costs of legal defense, settlements, and judgments in the event of a lawsuit against coaches, owners, or employees at your gym.

Jiu Jitsu gyms often involve close physical contact and a power dynamic between instructors and students, which can create an environment that is susceptible to abuse. Even with thorough background checks, policies, and procedures in place, abuse can still occur, and gym owners must be prepared to respond to such incidents. Having abuse (SAM) insurance in place can help mitigate the financial risk and protect the gym's assets in the event of a lawsuit.

Examples of abuse or misconduct that could occur in a Jiu Jitsu gym include:

1. Physical abuse such as hitting, slapping, or choking. 

2. Sexual abuse or harassment, including unwanted touching or sexual advances.

3. Verbal abuse, including yelling, screaming or shouting insults.

4. Emotional abuse, including bullying or intimidating behavior.

5. Discrimination based on race, gender, sexual orientation, or religion.

6. Unprofessional conduct, such as using drugs or alcohol while training.

7. Negligence, such as failing to properly supervise students or provide a safe training environment.

It's important to note that any type of abuse or misconduct is unacceptable and should be reported immediately to the appropriate authorities. In the meantime, a Jiu Jitsu gym owner can take several steps to mitigate the risk of abuse in their gym, including:

1. Develop and implement clear policies and procedures regarding abuse and misconduct, and make sure that all staff, students, and volunteers are aware of these policies.

2. Conduct thorough background checks on all instructors and employees, and consider using additional screening tools, such as fingerprinting and sex offender registry checks.

3. Provide training for instructors and staff on how to recognize and report abuse and misconduct.

4. Encourage open communication with students and parents, and provide clear guidelines for reporting abuse and misconduct.

5. Ensure that there is adequate supervision of students and staff during training sessions and events, and limit one-on-one training sessions as much as possible.

6. Regularly review and update policies and procedures, and be proactive in identifying and addressing potential risk factors.

7. Have abuse insurance coverage in place to provide financial protection in the event of a lawsuit or claim related to abuse or misconduct.

By taking these steps, a Jiu Jitsu gym owner can help create a safe and positive environment for students and staff, and reduce the risk of abuse and misconduct.

Does it really happen? 

High-profile cases involving allegations of abuse in Jiu Jitsu have been widely reported in the media and can be easily found through online searches and news articles. I would advise conducting a search using keywords such as "Jiu Jitsu abuse court cases" or "Jiu Jitsu misconduct lawsuits" to find more information on these cases.

If a Jiu Jitsu gym owner is accused of misconduct and does not have insurance to cover the cost of legal defense, they may face significant financial consequences. They will have to bear the cost of legal representation and any damages that may be awarded in a court of law. In some cases, they may also have to pay out of pocket for settlements, court fees, and other related expenses.

The lack of insurance coverage can also have a negative impact on the reputation of the gym, making it more difficult to attract new students or retain existing ones. In severe cases, it can lead to the closure of the gym and financial ruin for the owner.

It's important for gym owners to have appropriate liability insurance in place, not only to protect against the cost of legal defense, but also to ensure that they are adequately covered in the event of any claims of abuse or misconduct.

Getting the coverage: 

Not all liability insurance policies cover abuse. While some insurance policies may provide coverage for abuse or misconduct, it is not a standard inclusion in all policies. The coverage for abuse and misconduct may vary depending on the specific policy, the type of insurance, and the insurance company. 

Typically this kind of insurance (SAM) is not included in standard insurance packages but can be added to a “business owner package” of gym insurance for only a couple hundred dollars per year. When applying for the sexual abuse and molestation (SAM) insurance coverage for your gym the insurance company you are applying with might ask you the following questions on your enrollment, and they expect you to answer "Yes" if they are going to provide you with this type of protection:

1. Does your staff (paid and volunteer) employment application include questions about whether the individual has ever been convicted of any crime, including sex-related or child abuse related offenses? 

2. Do you routinely conduct background checks on all employees and volunteers working with youth? 

3. Do you have written procedures in place to prevent situations where participants are alone with an individual staff member?

If you are not already practicing the above employment diligence at your gym then we suggest that you use the information in this article or request assistance from your attorney to create best practices for your gym that incorporate the steps necessary to mitigate the risk and insure that you are protected legally. 

All in all, it is important to carefully review the terms and conditions of any insurance policy to determine what is covered, including any exclusions or limitations that you might find in a commercial insurance policy for your jiu jitsu gym because SAM insurance is not always included in every plan. It is also a good idea to consult with a licensed insurance professional for guidance and clarification on what types of incidents may be covered as you shop out your commercial insurance program.

What will INSURANCE for my bjj school cost?

A jiu jitsu gym owner will typically need a combination of insurance policies for their gym such as general liability insurance which covers third-party claims for property damage or bodily injury that occurs on the gym's premises, professional liability insurance that covers claims arising from professional mistakes or negligence, business property insurance that covers damage or loss of the gym's physical property such as equipment and facilities, and more.

The cost of insurance for a Jiu Jitsu gym can vary depending on a number of factors, including the size and location of the gym, the number of members, and the type of insurance coverage needed. On average, gym owners can expect to pay anywhere from $500 to $2,500 per year for insurance coverage, although costs may be higher or lower depending on the individual business.

It's important for gym owners to carefully consider their specific insurance needs and risks of their gym as not all activities are always covered when you buy commercial insurance. It's a good idea to work with a trusted insurance broker to find a comprehensive insurance package that fits their budget and provides adequate protection. 

A typical business insurance program for a bjj gym owner will cover a wide variety of risks for your gym for only about $11 - $12 per year per gym member. In addition to calling an insurance agent you will want to check with the landlord to make sure that if they have any specific requirements that the insurance policy you are looking to buy meets those requirements.

Essential Insurance Add-Ons for Jiu Jitsu Gym Owners.

In this article, we will explore the importance of having proper insurance coverage for your jiu jitsu gym, and why adding endorsements to your policy is crucial for protecting your business. We'll discuss three common endorsements that jiu jitsu gym owners should consider adding to their policies, and how these endorsements can provide additional coverage for specific risks and situations. By the end of this article, you'll have a better understanding of how to protect your jiu jitsu gym with the right insurance coverage, and how to ensure that your business is fully protected against potential risks and liabilities that are not always covered in every bjj gym insurance policy. Read more >>

training BJJ without health insurance. bad idea?

We don't think that you should stop training Jiu Jitsu solely because you don't have health insurance. While health insurance can provide financial protection in the event of an injury, it is not necessary to participate in the sport of jiu jitsu.

However, it is important for individuals to be aware of the risks associated with participating in any sport, including Jiu Jitsu, and to take steps to minimize their risk of injury. This may include wearing protective gear, learning proper techniques, adjusting training principles, and gradually building up their strength and endurance.

Grapplers who do not have health insurance should also take steps to manage the cost of treatment in the event of an injury. This may include seeking out low-cost options, negotiating payment plans with providers, considering alternative therapies, or picking up personal injury insurance for around $25 per month.

Ultimately, the decision to continue training Jiu Jitsu should be based on a careful consideration of the individual's health, fitness, and personal preferences, as well as their risk tolerance and financial resources.

What to expect to pay for care without health insurance?

The cost of treating an injury without health insurance can vary greatly depending on the severity of the injury, the type of treatment required, and the location where the treatment is sought. For example, the cost of an emergency room visit can range from $150 to $3,000 or more, while the cost of physical therapy sessions can range from $50 to $200 or more per session. The cost of surgery can be even higher, ranging from several thousand to tens of thousands of dollars.

It's also important to note that many medical providers offer payment plans or may be willing to negotiate fees for uninsured patients, so it's always a good idea to reach out and ask about options for lowering the cost of treatment. 

Either way treatment for an injury should not be put off because of the fear of medical bills without health insurance. If paying medical bills will be a deterrent for you in getting treatment for a bjj injury then we might suggest you consider purchasing a personal injury insurance program for around $25 per month that will help you pay those bills. 

Supplemental injury insurance as an alternative: 

Supplemental injury insurance is a type of insurance that provides additional coverage specifically for injury-related expenses. It is designed to complement and supplement a primary health insurance policy, which may have limitations or exclusions for certain types of injuries or treatments, however these programs can be purchased without health insurance.

Supplemental injury insurance can provide benefits for a wide range of injuries, including those sustained during athletic activities, such as grappling. The policy may cover expenses such as medical bills, rehabilitation costs, lost wages, and other out-of-pocket expenses related to an injury. The coverage and benefits of a supplemental injury insurance policy can vary greatly as some policies cover more than others so just ask for a “policy detail” when you review the policy. 

For grapplers who are concerned about the cost of treating an injury, a supplemental injury insurance policy can provide peace of mind and financial protection in the event of an injury which in the end will help them get back on the mats faster after injury. 

MMA Event Guide: Rules, Insurance & Surety Bonds.

If you have been hosting grappling events but you are looking to break into MMA there are a few extra steps that you will need to take when it comes to state rules and regulations. Part of those rules and regulations include insurance requirements and other rules that jiu-jitsu promoters typically do not have to worry about. 

This article will provide you with a blueprint to get you started while you are in the planning stages of your business. Additionally, this summary will provide you with the resources you need to obtain these certificates and policies so that you can focus on hosting a successful mma event. 

The Regulation of MMA:

Mixed Martial Arts is a regulated combat sport, unlike Brazilian jiu-jitsu which is an "unregulated" combat sport. That means that in the United States, mixed martial arts (MMA) events are regulated by the athletic commission of each state. The specific regulatory bodies vary, but they are typically called the "State Athletic Commission," "Athletic Commission," or "Combat Sports Authority." Some states, such as California and New York, have a highly developed and active regulatory body for MMA, while others may not regulate the sport at all. The extent of regulation can also vary greatly from state to state, with some states having very strict rules and regulations, while others have less stringent requirements.

A mixed martial arts promoter can expect the following requirements from a state athletic commission when hosting an MMA event:

Licensing: The promoter will likely need to obtain a promoter's license from the state athletic commission to legally host an MMA event.

Event regulations: The state athletic commission will enforce regulations that cover various aspects of the event, such as fighter medical requirements, weight classes, rules of competition, and drug testing.

Safety standards: The state athletic commission will set safety standards for the event to ensure the well-being of the fighters, such as ring and cage specifications, safety equipment requirements, and emergency medical plans.

Referee and judging oversight: The state athletic commission will oversee the referees and judges at the event to ensure that they are properly licensed and trained and that they are enforcing the rules and making fair decisions.

Insurance & Bond requirements: The state athletic commission may require the promoter to have liability insurance to cover any potential accidents or injuries that may occur during the event. In addition to insurance requirements, the mma promotor may also be required to purchase a surety bond for the event.

Event fees: The promoter may be required to pay fees to the state athletic commission to cover the costs of overseeing and regulating the event.

As you can see if you are thinking about starting up your mma promotion you will need to be prepared to follow the rules of each state athletic commission, as well as hire the proper officials, purchase the required insurance policies, and issue your surety bond.

To start we suggest you follow these steps to determine the state requirements for insurance and bond amounts for combat sports:

Visit the state government's website: Look for the official website of the state government and search for a section on athletic regulation or sports commissions.

Contact the state's department of consumer affairs: Some states have a department of consumer affairs that oversees athletic regulation. Contact them to find out who the athletic commissioner is and ask if there is anyone you can speak with that can answer any of your initial questions about hosting an mma event.

Search for state athletic commission websites: Some states have their athletic commission websites that provide information on the commission and its members, and activities, including the athletic commissioner.

Some examples of insurance requirements from the state: 

In Kentucky - "insurance for contestant mandatory: $5000 payments for injury and $5000 for death. A professional fighter's maximum deductible is $1000 and an amateur's deductible can be no higher than $500. Certificate of insurance due 2 days before fight."

In Wisconsin, those limits are much higher than in Kentucky whereas their rules say that " Any licensee authorized to conduct professional contests or amateur unarmed combat sports contests shall insure each contestant participating for hospital, nursing, and medication expenses and physician's and surgeon's services according to an equitable fee schedule, not to exceed in the aggregate $25,000, to be paid to, or for the use of, any contestant to compensate for injuries sustained in any such contest; and shall insure each contestant for not less than $25,000 to be paid to the contestant's estate in the event of the contestant's death as the result of participation in the professional contest or amateur unarmed combat sports contest." 

In addition, in Wisconsin, a mma promoter will also need to purchase a surety bond of $10,000. The cost of this bond will depend on the credit score of the person applying for it. 

Some States Require Surety Bonds: 

A surety bond for a mixed martial arts promoter works as a guarantee to the state athletic commission that the promoter will comply with all regulatory requirements. If the promoter fails to comply with these requirements, the state athletic commission can claim the bond to recover any damages or losses.

Here's how it works:

Obtaining a bond: The promoter must purchase a surety bond from an insurance company or bonding agency. The cost of the bond is typically a percentage of the bond amount required by the state athletic commission.

Bond amount: The state athletic commission will set the required bond amount, which is usually based on factors such as the size and frequency of the promoter's events, their financial stability, and their history of compliance with regulations.

Bond activation: If the promoter fails to comply with regulations, the state athletic commission can claim the bond to recover any damages or losses. The insurance company or bonding agency that issued the bond will then investigate the claim and may pay out up to the bond amount to the state athletic commission.

Bond renewal: The promoter will typically be required to renew their bond each year and may need to purchase a new bond if the state athletic commission increases the bond amount. By obtaining a surety bond, the promoter is ensuring that they can fulfill their obligations to the state athletic commission, and they are protecting the athletes, fans, and others involved in the event.

We can handle getting you the bond!

Fill out this quick application and you will get a no-obligation quote today. Someone from our team will reach out to you within an hour of submission, or just give us a call if you need help applying.

Spectator Liability Insurance:

In addition to the state insurance requirements for the participants you also need to find out what type of venue insurance requirements you need for the event. Unlike the state, which is focused on fighter liability and safety, the venue is usually concerned about having coverage for spectators who come to watch the MMA show.

Typically the state athletic commission focuses on participant insurance mandates and the venue will dictate the amount of "spectator liability coverage" that you need to host the event. You can purchase "spectator only" event insurance for mma events here below otherwise, they can sometimes purchase the spectator and participant liability coverage in special bundled packages.

Event Packages For Promotions:

Event Combat Sports insurance typically has multiple layers of coverage consisting of liability insurance for spectators at the event, liability insurance for participants in the events, as well as participant limited medical expense insurance coverage for the participants in the event and sometimes can be purchased in a bundle. In addition to this coverage, if you have invested in expensive equipment like a cage, grappling mats, or other electronics for your events then you will want to consider purchasing additional equipment insurance for your small business which also can be included for a little extra cost. 

As the popularity of mixed martial arts (MMA) continues to grow, it is increasingly important for event promoters to have the right insurance and surety bonds in place. These measures are necessary to protect both the fighters and the promoter in case of injury, damage, or other unexpected events.

One of the main reasons why insurance and surety bonds are so important for MMA events is because of the high risk involved. MMA events typically involve intense physical contact, which means that there is a higher risk of injury to the fighters. To ensure that medical expenses are covered in case of injury, promoters need to have medical insurance in place. In our opinion, even if the state does not mandate medical insurance for the fighters we think it should be provided at some level by the promotion.

Additionally, surety bonds provide financial protection to promoters in case they are unable to fulfill their contractual obligations. For example, if the promoter is unable to deliver on the agreed-upon date and location for the event, the bond can provide compensation to the affected parties. Insurance and surety bonds are also important from a regulatory standpoint. Many states require that MMA events be insured and bonded, and failure to do so can result in fines or even legal action.

In conclusion, having the right insurance and surety bonds in place is crucial for MMA event promoters. Not only does it protect the fighters and promoter, but it also helps to ensure that the event is compliant with regulations and minimizes the risk of financial loss.

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The evolution of insurance for combat sports and mixed martial arts have changed rapidly. How did these policies originate? And what actually are the benefits of a combat sports insurance policy? Thanks to the efforts of mixed martial arts athlete Jeremy Augusta, combat sport athletes now have the opportunity to protect their greatest asset—their physical well-being.

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