Sep 14

Martial Arts Liability Waiver

Martial Art is the type of sports that counts on physical power for self-defense. One of the examples is Brazilian Jiu Jitsu which focuses on floor fight. Certainly, when you join Brazillian Jiu Jitsu, then you have to have a strong body because it counts on your hands, legs, and body power. Most of the martial arts are dangerous that can make the players get broken bones. So, it is very important for you to have martial arts insurance before you join this activity. Anyone who wants to join martial arts, they must agree the generic martial arts waiver that you are aware of this activity which can be dangerous.

What are the purposes of the martial arts liability waiver? As it is mentioned that Martial arts are kinds of sports that allow you to get some injuries just in case there is a wrong procedure due to your mistakes or your instructor mistakes. So, by filling out the liability waiver form, you have to take responsibility for any bad things that may happen to you during the activity. If it is necessary, then you also have to fill out a medical waiver form to make sure that you already understand about the risk of joining martial arts. This waiver form contains your statement that you understand all of the rules, terms, and risks of martial arts and you will not blame anyone else such as the instructor, company, and anyone but you have to take responsibility for yourself.

If you have registered in any insurance services that provide martial arts insurance, then whatever happens to you, you have to claim it to your insurer. Therefore, it is really necessary for you to register martial arts insurance so that your activity will be covered by your insurer just in case there is something bad that may occur during the activity. You have to know that martial arts can cause some serious injuries such as broken bones, wounds, swelling, and much more. After you sign the generic martial arts waiver, then you have to be responsible for yourself for any injuries that may happen to you.

In some conditions, you also need to fill out and sign an indemnity form. This indemnity form is really important because you are about to participate in a dangerous activity. You never know that you will get some injuries during the martial arts activity. So, you have to make a statement that you take responsibility for all any risks and injuries during the activity and you have no right to complain or ask for compensation to anyone because of the injuries.

Well, all of the responsibilities are on your hands or you can also claim to your martial arts insurance provider if you get an injury after this martial art participation. Wherever you participate in some events and activities that allow you to get injuries, the providers will give you indemnity form, medical waiver form, and other waiver forms because they do not want to take responsibility for any injuries that may happen to you. If you have signed the paper, then you are ready to take the risk.

Fortunately, you actually have a chance to register to martial arts insurance to cover your condition or any injuries that may occur. You can claim your insurer to take responsibility for your injuries and they will take care of your condition and pay for the treatment. Meanwhile, the committee of the event will not be responsible for your condition due to the martial arts activity. For example, when you join a fighting match during the event and you get broken bone done by your opponent, then you have no right to sue the instructor, opponent, and other people who are connected to the activity because you have signed the release form, medical waiver form, or the indemnity form.

However, not all of the martial art instructors require you to fill out those forms. When they can make sure that the activity is safe, then you do not have to fill out a medical waiver form. But, if you get an injury during the activity, then you can claim to your insurer if only you have registered martial arts insurance or you can ask your instructor to take responsibility for it because there is no indemnity form provided. In fact, there is no single martial instructor who wants to take this risk, so your instructor must request you to fill out some agreement forms like medical waiver form, generic martial art waiver form, and indemnity form.

The waiver and release form is not only for the members of the martial arts, but sometimes the instructor also needs to fill out the form. If a committee needs you to be an instructor, then the committee will give an indemnity form and generic martial arts waiver where you need to take responsibility for yourself just in case you get some injuries. But, it is not a big deal at all if only you have instructor insurance in which you can claim it to your insurer if you get certain injuries. On the other hands, if you are into extreme sports like MMA (Mixed Martial Arts), ice hockey, boxing, basketball etc, make sure you get a sports mouthguard for your own good before you participate.

In summary, anyone who wants to participate in a certain activity needs to fill out a medical waiver form and indemnity form. These forms are usually provided by the committee that holds the event. It is also found in sports including martial arts in which you have to fill the generic martial arts waiver form for your statement to make sure that you understand the risk just in case you get some injuries during the event. In this case, after you sign the indemnity form and medical waiver form, you have no right to sue the instructor when you get injuries.

Why Do You Need Martial Arts Liability Waiver?

Martial arts, is a very unique sport and activity form. It is one of the most advantageous and unique experiences that one can enjoy and indulge in through great practice and play. There are lots of ways and techniques that help you to have good credibility and name in the said martial arts field. It is because one wrong technique and angle can result in great catastrophic injuries in this art form. It is also why a martial arts liability waiver has come into way and it plays a major role in the field as well.

If you do not know what a martial arts liability waiver actually is, then you are at the very right place. You can know what it is and why it is needed in this article here to get answers for many of your queries.

So What Is a Martial Arts Liability Waiver?

As the name says, the martial arts liability waiver is a kind of waiver that is offered to different students and professionals who practice and indulge in martial arts activities. It is a liability waiver that simply takes in the liabilities of a player well under cover and consideration in all conditions that can happen and result during practices and matches. It is a type of insurance that covers many areas. There can be various reasons why a mouth guard is needed and considered important. These reasons are given as follows:

  • The liability waiver consists of different insurances that cover health cover costs and safety money that might not be available to many players. It takes of the pressure and risk that they might not get proper care if injured. So it is needed to take off the pressure form the shoulders of the player and concentrate on their match
  • Such a liability waiver suggests that the party takes the responsibility of the practitioner and considers their safety and health in high esteem and importance. It means this liability waiver is needed to give importance to the player for worry-free and excellent performance.
  • A martial arts liability waiver provides confidence and support to the player who can perform even better for the name they are playing for. Thus, it is also one of the reasons that a waiver is provided to have more success in the field.
  • This type of karate insurance not only frees any type of fear but also helps any company or practicing institution from getting sued by the applicant at the time of injury. Thus, these waivers are needed to not fall prey to highly costly cases and image tarnishing activities.
  • If a martial arts liability waiver is provided, then it also helps the longevity of any martial arts training or match program. More and more people find it trustworthy, safe, and classy which is why the waiver provides these extra benefits to these institutions besides the player on the other hand as well.

Thus, now that you know the reasons as to why you need a martial arts liability waiver, get started to grabbing these waivers for yourself too.

How Much Does Martial Arts Insurance Cost?

Today, martial arts are being used more than just for the purpose of self-defense. It is being used to learn discipline and for the purpose of entertainment too. But this type of art may cause injury and accident easily. Especially in the case of new students who have no previous record related to any disciple of martial art may injure very easily. A few years ago, when there were not much martial art schools exist, the liability coverage for such schools was very costly and come with very limited features and insurance coverage packages. But today, when martial arts school is considered as a big business industry, there are many comprehensive programs have been developed by insurance companies for them. These programs have been specifically developed to cover inherent risks of running such type of business.

Martial arts insurance comes under business insurance category but as compared to other businesses, the martial arts schools has too many risks factors and owners need to consider them when they are planning to go with an insurance policy. The purpose of martial arts insurance is to help the business owner to pay expenses in case of injury and accident which are usually high because medical treatment includes in this.

How to calculate martial arts insurance cost?

The cost of martial arts insurance depends on the number of factors which includes features which company is offering, a state where you are living, the size of your fitness center and a number of students etc. Sometimes new insurance companies offer a discount to attract new clients. So, you should also consider this factor when you are comparing different insurance companies to get an estimation of martial arts insurance cost. But the most important things which you should consider include:

Insurance policy:

Usually, the cost of an insurance policy depends on the number of things the company is offering to their clients in the case of an accident. The insurance premium is not the only things to consider here. Some insurance companies offer excess amount of features which does not even required by your business. So, consider this factor to calculate the estimation cost of martial arts insurance for your business. Going with an insurance company who offers limited features can help you to found a cheap solution.

State and law:

Different states have different laws regarding insurance policy. These laws may restrict insurance companies to offer you extra coverage and premium in case of an accident. Due to this factor, the cost of martial arts insurance may get affected in a negative sense. This is another thing which affects the cost of martial arts insurance.

The size of business:

This is very general thing to consider. An insurance company cost more to a big martial arts school or fitness center as compared to the small and medium size of business. The number of students, their age, and location of your business also includes in this. Generally the more student you have, the cost of insurance will be high.

On the basis of all above things, the insurance cost of martial arts is $700 to $5000. It may be higher or lesser too but totally depends on things which have mentioned above.

To download the free Liability release form in PDF format, please click Free Liability Waiver.


“I, _______________________________, have enrolled in the personalized health and fitness program offered through Martial Arts Studio. I recognize that the program may involve strenuous physical activity including, but not limited to, muscle strength and endurance training, cardiovascular conditioning and training, and other various fitness activities. I hereby affirm that I am in good physical condition and do not suffer from any known disability or condition which would prevent or limit my participation in this exercise program. I acknowledge that my enrollment and subsequent participation in purely voluntary and in no way mandated by Martial Arts Studio.”

“In consideration of my participation in this program, I,_________________________, hereby release Martial Arts Studio and its agents from any claims, demands, and causes of action as a result of my voluntary participation and enrollment.” “I fully understand that I may injure myself as a result of my enrollment and subsequent participation in this program and I, ___________________________________, hereby release Martial Arts Studio and its agents from any liability now or in the future for conditions that I may obtain. These conditions may include, but are not limited to, heart attacks, muscle strains, muscle pulls, muscle tears, broken bones, shin splints, heat prostration, injuries to knees, injuries to back, injuries to foot, or any other illness or soreness that I may incur, including death.”

I HEREBY AFFIRM THAT I HAVE READ AND FULLY UNDERSTAND THE ABOVE STATEMENTS.

___________________________ (Participant Signature)
___________________________ (Date)

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