Our trained staff understand your business operations and are well positioned, to discuss what is required to submit a claim. We help you get it right the first time.
We can supply clients with risk management documents (waivers / incident reporting) and training so you know how to use them so it reduces the chance of an incident. You will be clear on the steps to you meet your insurance obligations.
Preventing a claim is much better than having to submit one. Ask us for a review of your risk management policies and procedures so you have peace of mind.
Your coverage will be made up of the policy wording provided and a schedule of limits. Some policies will also have endorsements included. Make sure you read your insurance documents and ask us to explain any point you are unsure of.
We can assist you in preparing a claim submission in Business Packs, Public Liability, Personal Injury and other covers.
Some brokers may interpret sparring as hitting a bag / mitt and confidently saying their policy covers sparring. The facts are 'sparring' is when two or more people participate in a bout / fight under rules that may go from light contact to full power strikes to the body, head and legs on the mats, outdoors, in a ring or cage for example. Participation 'clauses' in martial arts training is when two or more people touch each other, whether lightly, firmly or with full power, this can be interpreted as 'sparring' which is not included in most covers. Warm up exercises and forms training without any partner drills is acceptable by more insurers. There is no need to compromise what you teach to fit into an insurance policy, when there are products that are fit for purpose.
EACH CLASS OF INSURANCE WILL HAVE A DIFFERENT CLAIM PROCESS
Letting Your Broker Know Of An Incident ASAP Is The Standard Protocol For The Insured
The information below is not any form of advise, it is what the insurer will expect an insured business to do, in the event of a claim.
Put together a report of what has happened and assess the damage. Get quotes for repairs and provide purchase receipts for equipment that require repair or replacement. Take photos of the damage and don't dispose of any items you plan to claim, before the insurer has assessed them. Each provider will have a set of inclusions and limitations outline in your policy schedule. For business interruption you will need to provide financial reports to substantiate those losses.
This type of claim could be a 'slip & trip' scenario or from a coach directing a member to perform a certain move and getting injured. The injured party has to prove negligence on the part of the operator and this process may take more than 12 months to reach an outcome. Preparing an incident report is essential along with any video footage and witness statements.
This type of claim may have come about the same as the public liability, but the injured party doesn't have to prove negligence. There will be a limit of benefits in the policy schedule. The same applies with preparing a report as the PL. It is important not to give the injured party an expectation of a result or hand over your insurance documents.
Fitness / Health Clubs Fitness Studios and Gyms can obtain both the general operations insurances such as – public, products, management and civil (professional indemnity) with their property, contents, glass, burglary and business interruption.
Some Gyms have actually incorporated martial arts classes and other activities (not just group fitness elements) which have created some confusion in whether they are covered. The martial arts section has either not been covered at all, or owners have had to source a second policy specifically for it. If the gym can segregate the martial arts classes under a separate membership and specific location, it can work with a separate policy. There are however grey areas in coverage with gym members dropping into martial arts classes, but this can be all eliminated with one unique combined policy that we can source for you.
There is an insurance solution that incorporates the activities of a gym / health club and a martial arts academy with liability / property / contents all through the one company.
Individual martial arts schools and associations can arrange an individual club or multi branch package. The same goes for gym chains, they can negotiate a group package that covers all the facilities. Unsupervised training / workouts right up to 24/7 gyms, need to conform with the industry standards for security and safety of members. Not sure what's required, ask one of our brokers.
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Martial Arts Australia Insurance Services ABN:31632785329
AR 001283262 Corporate Authorised Representative of
United Insurance Group Pty Ltd ABN 31 131 564 522
Australian Financial Services License: AFSL 327131
Suite 306, 365 Lt Collins Street Melbourne Vic 3000
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Karate Insurance, Taekwondo Insurance, Mixed Martial Arts Insurance, BJJ Insurance, Brazilian Jiu Jitsu Insurance, Kickboxing Insurance, Boxing Insurance, Kung Fu Insurance, Muay Thai Insurance, Personal Trainer Insurance, Gyn Franchise Insurance, Sporting Association Insurance, Gym Insurance, Fitness Insurance, Fitness Studio Insurance.
Office: Unit 6 / 12 Henderson Road Knoxfield, VIC
Office hours:
Mon - Fri 8.30am - 6.00pm
Sat 9.00am - 2.00pm
Office Hours -
03 8201 9908
Office & Afterhours:
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0451 331 958
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Martial Arts Insurance: Melbourne, Sydney, Brisbane, Perth, Adelaide, Canberra, Tasmania, Darwin.
Gym / Fitness Insurance: Brisbane, Perth, Adelaide, Canberra, Melbourne, Sydney, Darwin, Tasmania.
Insurance options for Yoga / Pilates / Fitness Studio or Gym (24/7), Health, Indoor Rock Climbing / Bouldering ++
Cyber Insurance for Martial Arts Clubs & Gyms
Martial Arts Travel Insurance
for groups covering :
training, sparring, and competitions.
This website contains general information, does not take into account your individual objectives, financial situation or needs and may not suit your personal circumstances.
For full details of the terms, conditions and limitations of the covers and before making any decision about whether to acquire a product, refer to the specific policy wordings and/or Product Disclosure Statements available from the links above:
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