Free Risk Management Plan Template for BJJ & Submission Grappling Events

IMPORTANT LEGAL NOTICE

This Risk Management Plan and accompanying templates are provided by JiuJitsuInsurance.com solely as educational resources and general examples of operational risk management practices. They are intended to serve as a starting point for developing a customized safety program and do not constitute legal advice, medical advice, insurance coverage advice, or professional risk management consulting.

These materials are not legally binding, do not guarantee compliance with federal, state, or local laws, athletic commission rules, venue requirements, or insurance policy conditions, and do not guarantee the prevention of injuries, lawsuits, or insurance claims.

Every martial arts academy, Brazilian Jiu-Jitsu school, MMA gym, event promoter, and training facility has unique risks. Before implementing or relying on these materials, they should be reviewed and modified by your own legal counsel, insurance advisor, and qualified risk management professionals to ensure they are appropriate for your specific operations.

By using these materials, you acknowledge that JiuJitsuInsurance.com, its owners, affiliates, and contributors assume no responsibility or liability for their use or misuse.

If you promote submission grappling or Brazilian Jiu-Jitsu events, you've probably been asked for a Certificate of Insurance more times than you can count. But a COI is only half the conversation — venues, athletic commissions, and increasingly your own insurance carrier want to see a Risk Management Plan before they'll work with you.

We get asked for a starting point so often that we put one together. Here's a free template you can download, customize, and use for your next event.

Why event promoters need this

A well-developed Risk Management Plan (RMP) is more than just a best practice for Brazilian Jiu-Jitsu and other combat sports events—it's often a requirement. Many venues won't agree to host a tournament or competition unless they can see that you've planned for medical emergencies, crowd management, and incident reporting. Insurance carriers also expect promoters to have a documented Risk Management Plan before they will even consider offering coverage for an event.

Insurance companies want to know that you've established procedures for emergency response, medical staffing, mat safety, and other key operational risks before they offer you coverage. Most importantly, an RMP helps protect your event when something does go wrong. Injuries are an unavoidable reality in grappling and combat sports, but having a documented plan demonstrates that you took reasonable, professional steps to reduce risks and respond appropriately. That documentation can be invaluable if questions arise after an incident from participants, venues, insurers, or legal representatives.

Important: this is a starting point, not a finished plan

This template is exactly that — a template. It is not legal advice, and using it doesn't guarantee insurance coverage or compliance with your state's or venue's requirements. Every state, athletic commission, and venue has different rules, and your plan should reflect your actual event, your actual venue, and your actual procedures.

⚠ Before you use it:

• Fill it out completely with your real event and venue details.

• Have your insurance broker or legal advisor review it.

• Update it every time your event, venue, or procedures change.

A generic plan sitting in a folder doesn't protect anyone. A plan your staff has actually read, that matches what you'll really do on event day, does.

---

Get the template‍ ‍

Download the free Risk Management Plan template and adapt it for your organization, your venue, and your athletes. If you have questions about how a risk management plan connects to your insurance requirements, that's exactly the kind of conversation we're happy to have.

IMPORTANT LEGAL NOTICE

This Risk Management Plan and accompanying templates are provided by JiuJitsuInsurance.com solely as educational resources and general examples of operational risk management practices. They are intended to serve as a starting point for developing a customized safety program and do not constitute legal advice, medical advice, insurance coverage advice, or professional risk management consulting.

These materials are not legally binding, do not guarantee compliance with federal, state, or local laws, athletic commission rules, venue requirements, or insurance policy conditions, and do not guarantee the prevention of injuries, lawsuits, or insurance claims.

Every martial arts academy, Brazilian Jiu-Jitsu school, MMA gym, event promoter, and training facility has unique risks. Before implementing or relying on these materials, they should be reviewed and modified by your own legal counsel, insurance advisor, and qualified risk management professionals to ensure they are appropriate for your specific operations.

By using these materials, you acknowledge that JiuJitsuInsurance.com, its owners, affiliates, and contributors assume no responsibility or liability for their use or misuse.

From Superfights to Tournament Wars: A Big Weekend for Jiu Jitsu Insurance Clients

Last weekend was a huge one for JiuJitsuInsurance.com as we spent the weekend supporting clients, athletes, academies, and promotions across the country. From live superfights in Illinois to major tournament action in Florida, it was another reminder of how quickly the combat sports community continues to grow — and how important proper protection and insurance solutions are for athletes, gyms, and event organizers.

Jeff Curran Invitational 3 Brings High-Level Action to McHenry, Illinois

On May 9th, the third annual Jeff Curran Invitational 3: The Dominion brought together some of the best talent in the Midwest grappling scene for an unforgettable night of competition. From exciting submissions to elite coaching and an electric atmosphere, the event showcased everything that makes the jiu-jitsu community so special — and JiuJitsuInsurance.com was proud to be there supporting many of our clients and friends throughout the night.

One of the coolest parts of the evening was seeing so many outstanding local academies represented on the mats. Teams like Real MMA, 333 Jiu Jitsu, and White Lotus all brought competitors, coaches, and incredible energy to the event. The Midwest jiu-jitsu scene continues to grow at an incredible pace, and seeing these schools compete at such a high level was truly awesome.

Camila Estrada secured a slick victory using a Woj Lock, here with coach Jeff Serafin.

A huge highlight of the night came when Camila Estrada secured a slick victory using a Woj Lock — a technique we actually feature in an instructional on the Jiu Jitsu Insurance platform.

The WOJ Lock Seminar (free).

Watching techniques we love and teach show up in live competition is always exciting, especially on a stage like this.

Another standout performance came from our client Edward Jackson of 333 Jiu Jitsu, who picked up a big win and represented his team incredibly well. It’s always rewarding for us to see the athletes and academies we work with succeed under the bright lights.

And of course, seeing Joey Diehl do his thing is always entertaining. Joey consistently brings excitement and intensity every time he competes, and this event was no exception.

The coaching presence throughout the night was also top-tier. It was great seeing Nick Lee in action with coaching support from White Lotus, adding another layer of high-level experience and strategy to the event.

Outside of the matches themselves, UFC star Rose Namajunas was in attendance promoting her new water brand, adding even more excitement and star power to an already stacked evening.

A massive congratulations goes out to Jeff Curran and his entire team for putting together such a polished and professional production. The event ran smoothly from start to finish, and it was clear how much hard work went into making the night a success. Events like these continue to elevate the Midwest grappling community and provide athletes with a premier platform to showcase their skills.

We also want to give a special shoutout to Professor Bernie out of Top Level MMA and Professor Vives from New Breed Training Center for their work refereeing throughout the night. Officiating can often go unnoticed when done correctly, but both of them absolutely crushed it and helped keep the event running professionally and efficiently.

You can watch the full live stream here:

The Same Weekend — Supporting Thug Trials 3 in Florida

While we were supporting athletes live in Illinois, we were also proud to insure Thug Trials 3 the very same weekend in Florida — another incredible showcase of talent and competition.

Coverage and results from the event can be found here:

Thug Trials 3 – Full Results and Highlights

The event featured multiple exciting performances and showcased some of the toughest competitors in the region. One of the highlights for us was seeing our client Gabriel Souza compete and represent at a high level on another major stage.

Events like Thug Trials continue to prove how deep the talent pool has become throughout the grappling world. Whether it’s professional superfights, local tournaments, amateur showcases, or high-level superfight cards, the combat sports community continues to expand rapidly — and so does the need for proper insurance strategies designed specifically for these environments.

Why Event Organizers and Athletes Work With Jiu Jitsu Insurance

At JiuJitsuInsurance.com, we specialize in helping:

• Brazilian Jiu-Jitsu academies

• MMA gyms

• Wrestling clubs

• Tournament promoters

• Superfight organizations

• Coaches and instructors

• Individual athletes

From general liability protection for events and gyms to athlete accident and injury insurance solutions, our mission is to help protect the people growing the sport.

Weekends like this are exactly why we love what we do. We get to support the community not just from behind a desk, but by being present at the events, watching our clients compete, helping promotions operate safely, and continuing to build relationships throughout the martial arts world.

The Midwest and national grappling scene is growing fast, and we’re proud to continue being one of the go-to resources for combat sports event insurance and athlete protection solutions.

Fuji BJJ Expo 2026 in Kansas City: Community, Competition, and the Importance of Proper Protection

The Fuji BJJ Expo 2026 in Kansas City brought together athletes, academy owners, families, and industry leaders for a powerful weekend celebrating the growth of Brazilian Jiu-Jitsu.

Held in Kansas City, this year’s Expo showcased not only high-level competition but also the continued expansion of structured, professionally organized BJJ events nationwide.

As a proud supporter of the sport, Jiu jitsu Insurance was on-site to engage with gym owners, competitors, and families who are shaping the future of Brazilian Jiu-Jitsu.

---

Watch the Full Fuji BJJ Expo 2026 Event Coverage

Highlights, seminar moments, and community interactions from Fuji BJJ Expo 2026 in Kansas City.

---

Elite Instruction and High-Level Competition

A major highlight of the weekend was a seminar led by world-class competitor Victor Hugo. Athletes across divisions had the opportunity to refine their skills under elite instruction, reinforcing the technical depth and professionalism of modern BJJ events.

Throughout the weekend, youth divisions, adult brackets, and advanced competitors shared the mats — demonstrating the sport’s multigenerational appeal.

---

A Growing, Family-Driven Community

Beyond the matches, the Expo reflected the strong community culture that defines Brazilian Jiu-Jitsu.

Attendees included:

• First-time youth competitors

• Expanding academy teams

• Traveling families

• Supporters cheering from the stands

The atmosphere underscored how BJJ tournaments have evolved into professionally organized, family-friendly events that draw participation from across regions.

---

The Role of Structured Insurance in Modern BJJ Events

As tournaments continue to grow in size and complexity, so does the need for specialized protection.

Many general liability policies exclude:

• Combat sports participation

• Live sparring

• Tournament competition

• Participant-to-participant injuries

That gap creates significant exposure for gym owners and event organizers.

Jiu jitsu Insurance provides coverage designed specifically for Brazilian Jiu-Jitsu academies, events, and instructors — addressing the unique risks associated with combat sports.

Through partnerships with organizations such as FUJI Sports, structured protection supports:

• Venue compliance

• Participant coverage

• Youth divisions

• Event certificates

• Operational risk management

When protection aligns with the realities of the sport, organizers can focus on delivering safe and successful events.

---

Upcoming Fuji Events in 2026

The momentum continues throughout the year.

Ensure your academy is properly covered before competition season.

---

Why Gym Owners Should Review Their Coverage Before Tournament Season

Events like Fuji BJJ Expo highlight the importance of reviewing insurance coverage before registering teams or hosting tournaments.

Key considerations include:

• Does the policy explicitly include combat sports?

• Are tournaments covered?

• Are youth divisions listed?

• Does coverage extend to spectators?

• Are certificates readily available for venues?

Specialized BJJ coverage reduces uncertainty and protects the long-term stability of academies and events.

---

Looking Ahead

The Fuji BJJ Expo 2026 in Kansas City demonstrated the strength and continued expansion of Brazilian Jiu-Jitsu across the United States.

Jiu jitsu Insurance remains committed to supporting the academies, instructors, athletes, and organizers who are advancing the sport.

As the 2026 season progresses, the focus remains clear:

Strengthen the community.
Support structured growth.
Protect the future of Brazilian Jiu-Jitsu.

---

How Do Pro Grappling Athletes & Promoters buy Injury Insurance?

A Practical Overview for Professional Competitors, Managers, and Event Organizers -

Professional grapplers who compete for cash money.

Professional grappling continues to mature as a business. Athletes are competing for prize money under promotions such as UFC BJJ, theProfessional Grappling Federation, and organizations connected to Scientific Wrestling. As the competitive level rises, so does the need for clearer conversations around injury exposure and insurance structure.

One of the most common questions from both athletes and promoters is simple:

Where do professional grapplers obtain injury insurance that applies to training, competition, and prize fighting?

This article outlines how that typically works from a risk management standpoint.

Regulation vs. Risk Classification -

In many states, submission-only grappling is not regulated by athletic commissions in the same way professional MMA is. That regulatory distinction has helped the sport expand.

Insurance underwriting, however, focuses less on regulation and more on compensation. When an athlete competes for prize money, insurers typically classify that exposure as professional participation. That classification affects how policies respond and whether exclusions apply.

In other words, even if grappling is not formally regulated, it can still be viewed as professional risk when compensation is involved.

What Promoters Usually Insure -

Promoters generally secure event-based coverage. This often includes general liability for the event and a form of blanket accidental medical coverage tied to that specific competition.

Those policies are structured to protect the event and the organization. They are not designed to provide long-term, year-round protection for individual athletes.

For professional grapplers, most injury exposure occurs in training camps, daily sparring, strength work, and other random accidents — not just on event day. That reality has led some promotions and management teams to require athletes to carry their own 24/7 accident coverage during the term of their contracts.

The Supplemental Plan Often Used in This Space -

The plan most commonly referenced within professional grappling circles is the Aflac Elite Accident Insurance Plan.

It is important to clarify that this policy was not created specifically for Brazilian Jiu-Jitsu or MMA athletes. It was designed for the general public to help offset out-of-pocket medical expenses following accidental injuries.

Its relevance to combat sports stems from policy language. A review of the form shows that it does not exclude injuries from training, organized competition, or prize fighting. That absence of exclusions is what makes it applicable to professional grapplers competing under organizations such as UFC BJJ and the PGF BJJ to name a few.

Why Many Athletes Keep the Coverage After Contracts Expire -

An interesting pattern has developed among professional athletes. Even when coverage is initially required by a promotion or management contract, many competitors choose to maintain the policy long after the contract ends.

The reason is practical.

Many professional grapplers and MMA fighters do not have employer-sponsored health insurance. Even those who do often face high deductibles and out-of-pocket costs. Supplemental accident plans of this type generally cost around $35 per month on average (based on state availability), which makes them financially accessible compared to the potential cost of an injury.

Grappling event with submission only rules. Both fighters had to have the personal injury insurance to participate.

Because benefits are paid directly to the insured athlete, the coverage can function as a financial buffer during recovery. For independent contractors — which most fighters are — that flexibility can matter more than traditional reimbursement-style insurance.

It is not uncommon for professional MMA athletes to purchase this type of supplemental accident insurance on their own, independent of any promotion requirement, simply to manage personal risk.

How Coverage Functions -

This type of policy is supplemental accident insurance. It is not major medical insurance and does not replace a primary health plan. Instead, it pays fixed cash benefits directly to the insured individual after a covered accidental injury.

Benefits may apply to emergency treatment, hospital confinement, surgical procedures, therapy sessions, imaging such as CT or MRI, ambulance transportation, and certain medical devices. There is also a sports-related enhancement that can increase certain payouts when injuries occur during organized athletic activity.

Because payment is made directly to the insured athlete rather than to a provider, the funds can be used for deductibles, copays, travel, rehabilitation expenses, or general financial obligations during downtime.

Documentation for Promoters and Managers -

When promotions or management teams require proof of coverage, enrollment verification and itemized reports can be coordinated through Chris Martin at JiuJitsuInsurance.com (who operates under NPN #7335986 and in California under #4116908) for the purpose of any contract compliance.

Important Disclosure -

JiuJitsuInsurance.com is not an insurance company. We are an independent insurance brokerage specializing in the combat sports market (who operates under NPN #7335986 and in California under #4116908). Coverage is provided by licensed insurance carriers and is subject to underwriting approval, state availability, benefit schedules, and policy terms.

Athletes and promoters should always review official summary descriptions, policy forms, and exclusions before enrolling. For detailed benefit summaries and exclusions, message us for a quote today.

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.

Protect yourself on and off the mats. Get affordable personal injury coverage for Jiu-Jitsu athletes starting at only $30/month from JiuJitsuInsurance.com.

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.

Protect yourself on and off the mats. Get affordable personal injury coverage for Jiu-Jitsu athletes starting at only $30/month from JiuJitsuInsurance.com.

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. It is also important to have a solid Risk Managment Plan written out as well in case the insurance underwriter or the state athletic commission requests a copy it.

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.

What types of insurance can comabt ATHLETES get?

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.

Read More →

Protect yourself on and off the mats. Get affordable personal injury coverage for Jiu-Jitsu athletes starting at only $30/month from JiuJitsuInsurance.com

Liability Insurance Mistakes BJJ Gym Owners Must Avoid.

Jiu-jitsu gym owners make several mistakes when it comes to buying liability insurance, which can result in inadequate coverage or unnecessary expenses. In this article we will cover what some of those mistakes are as well as provide you with some tips for shopping out the right type of insurance coverage for your jiu jitsu, or mixed martial arts gym.

In the meantime, feel free to text, email, or message one of our insurance brokers who can guide you in the right direction and make insurance recommendations based on your specific needs and activities at your martial arts school.

Some common mistakes jiu jitsu gym owners make when buying liability insurance:

1. Not understanding the coverage: Gym owners may not fully understand the coverage provided by their insurance policy, which can result in gaps in coverage or purchasing unnecessary coverage. It's important to have a clear understanding of what your policy covers and what it doesn't. One example of this is assuming that your gym liability insurance also covers your in-house scrimmages, tournaments, or competitions. This is not often the case which is why it is important understand what you have so that you can pick up supplemental coverage to cover your Jiu Jitsu events if needed.

2. Not having enough coverage: Gym owners may purchase liability insurance with lower limits than what they actually need, which can result in inadequate coverage in the event of a claim.

3. Not regularly reviewing and updating the policy: Gym owners may purchase a policy and then forget about it, which can result in coverage that doesn't reflect the current risks and exposures of the gym. We see this alot with BJJ gyms who start out just offering jiu jitsu classes but add fitness kickboxing, or mma classes a few years later without updating their insurance policy.

4. Not shopping around: Gym owners may purchase insurance from the first company they find, without shopping around to compare prices and coverage options. Luckily, here at JiuJitsuInsurance.com we are a brokerage which means that we do all the shopping around for you because we represent multiple insurance companies, not just one.

5. Not considering specific risks: Gym owners may not consider the specific risks associated with jiu-jitsu training, such as injuries from grappling and joint locks, which can result in inadequate coverage. For example, just having a general “martial arts policy” will not guarantee you coverage for all your martial arts. We can not stress enough the importance of an annual policy review (see #3 above)! If you email us a copy of your gym insurance policy then we can let you know what it covers, or does not.

6. Not checking the reputation of the insurance company: Gym owners may purchase insurance from an insurance company with a poor reputation for handling claims, which can make it difficult to get claims approved, or paid out.

It's crucial that gym owners understand what kind of coverage they need, how much have, and to shop around for the right coverage to cover their business. The gym owner should also review and update their policy regularly, and consider the specific risks associated with jiu-jitsu training. Additionally, it's important to check the reputation of the insurance company, as well as the claims process and the history of the company. On the other hand, why do all the shopping and due diligence yourself when one of our brokers can do it all for you?

Protect yourself on and off the mats. Get affordable personal injury coverage for Jiu-Jitsu athletes starting at only $30/month from JiuJitsuInsurance.com

What kind of insurance do I need to host jiu jitsu events?

A few tips that you need to know when getting BJJ event insurance.

You have everything set for your first BJJ tournament. You figured out the ruleset, you know of a great venue that you can rent, there are participants ready to compete, you've created waivers for them to sign, and you are good to go! Still, you have one question in the back of your mind. Do I really need extra insurance for my event?

The answer is simple. Yes. You will need event-specific insurance which is usually purchased standalone for just a single event, or multiple events can be bundled over the course of a year and at a lower cost. That said, not all event insurance policies are going to cover everything you might need in that policy when you buy it online, so it is advised that you speak with an insurance broker before you add anything to the shopping cart online if you are not exactly sure. 

It’s important to understand that even though you may feel like your event will be covered under a personal insurance policy, a gym liability policy, or you might feel that the venue is already covered, the insurance coverage you have (or think you have) is probably not enough. 

To determine exactly what insurance you will need for your jiu jitsu competition you will want to have a general understanding about how event liability is typically purchased so that you know exactly what you are buying when it comes time to bind coverage. That said, we are confident that after reading the below summary we created you will be able to determine exactly what you will need insurance wise for your future jiu jitsu tournaments.

There are typically three parts to a event liability policy; 

1. Spectator liability coverage.

2. Participant liability coverage.

3. Participant medical / accidental injury or death coverage. 

Although when initially evaluating the three parts of available coverage it might seem simple to differentiate what each covers based on their descriptions, however when shopping for event liability coverage online you are not always guaranteed that all three parts of coverage will be included in the policy you end up buying. 

For example, we can get you a Martial Arts Tournament liability policy for your next bjj competition at eventhelper.com for about $269, but this coverage will only insure the 100 spectators at your event. This is called spectator only insurance meaning that if you are ok with not having insurance coverage for the participants at your event then this will be the lowest cost option to get in the door of a venue asking for liability insurance. Keep in mind having insurance coverage for the spectators only does leave you exposed to the cost of defending lawsuits from participants at your event or keep you off the hook for paying judgments for medical bills from participants. Regardless of whether or not the participants signed a waiver for your tournament general liability insurance will provide defense and pay judgments for covered insureds so it is necessary.

So how much coverage do you need to buy? 

If you host a BJJ tournament or grappling event at a nearby venue and pay a fee to the landlord to rent that space just the day, typically that landlord will require you to have a general liability insurance program for that single event. This type of single event insurance coverage however is not going to be included in your "Business Owners Policy" that you bought for your Brazilian Jiu Jitsu academy, instead it is something you will have to purchase separately.

The first thing you will want to do when planning your event is to ask the venue for the amount of insurance benefits they require. This is an important step to take before you buy an insurance policy online because all the venues and landlords will require different amounts of liability coverage, as well as could request specific contract endorsements they want included to modify the event coverage. For example, if you are hosting your event at a middle school that school district will most likely require that you not only purchase general-liability insurance for both the participants and spectators, but might also require additional amounts of coverage added like coverage for abuse or molestation that protects against alleged, actual, or attempted  abuse or molestation of any person by another person. 

Just ask. Before you promote your Jiu Jitsu event or tournament just ask the venue for their insurance requirements so that you know what is expected right out of the gates. Once you have those details then we can help you get insurance estimates and pricing for your bjj event coverage.  

What if the jiu jitsu event is in-house?

Alternatively, if you are hosting a jiu jitsu event or tournament in your own gym you most likely won't have anyone asking you to provide proof of insurance for that event, however that obviously does not mean you don't need to have single event insurance coverage for your in-house bjj competition. 

It's important that you do not assume that your school's general liability policy will provide coverage for this event. In the world of insurance every event is treated (underwritten) uniquely by the insurance company, and every insurance contract is worded differently when it comes to policy benefits, coverage, limitations, and exclusions.  So you just can't assume anything, you need to see it in writing. 

Start by checking to see what the wording in your current gym insurance policy has to say about in-house Jiu Jitsu competitions. Get a copy of your policy summary and the copy of your original bjj school master application to find out what it covers. Does it cover in-house scrimmages, exhibitions, or competitive events? If so, what does it cover, who is covered, and how much is covered? 

Once you determine that information then you can choose whether or not to purchase additional liability coverage to fill the gaps where the schools liability policy does not provide coverage for.  

What's next?

Does this insurance stuff seem complicated and time consuming? If you said YES then you are right, however that is why we are here to assist. If you send us a copy of your current insurance policy we can then explore the language in the contract for you to uncover exactly what you are covered for. After reviewing your insurance programs and requirements we can then see if your event will be covered, or not. After that, if you decide you need to add more coverage then we can recommend other insurance companies who might consider bundling your school coverage with event insurance coverage, or simply can help you purchase a single event policy if that is all you need for your next Brazilian jiu jitsu event.

A GUIDE TO RULES, INSURANCE, AND SURETY BONDS FOR MMA EVENTS.

If you have been hosting grappling events but you are looking to break into MMA then you will want to read this. This article will provide you with a blueprint to get you started while you are in the planning stages of your business. Read more >>

Protect yourself on and off the mats. Get affordable personal injury coverage for Jiu-Jitsu athletes starting at only $30/month from JiuJitsuInsurance.com