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American Specialty

U.S. based martial arts schools and studios specializing in the instruction martial arts. Insurance coverage provided includes liability protection for the school, including its employees and volunteers, for liability claims arising out of its operations. Acceptable styles include Aikido, Brazilian Jiu Jitsu, Capoeira, Hapkido, Judo, Jiu Jitsu, Karate, Krav Maga, Kung Fu, Taekwondo and Tai Chi. Facilities with ancillary yoga and/or exercise classes, birthday parties, inflatables, day camps and competitions may also be eligible for this program.
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All insurance coverage is provided on an admitted basis by "A" rated carriers.

  • Aikido
  • Brazilian Jiu Jitsu
  • Capoeira
  • Fitness Boxing (non-contact)
  • Hapkido
  • Judo
  • Jiu Jitsu
  • Karate
  • Krav Maga
  • Kung Fu
  • Taekwondo
  • Tai Chi
  • Aerobics/exercise/yoga
  • Birthday parties
  • Day camps
  • Trampolines (with posted rules for usage) - NOTE: Trampoline Training Facilities are not eligible for this program
  • Inflatables (additional guidelines apply)
  • Acrobatic and/or circus silk training
  • Acupuncture or acupressure
  • Boxing (contact/sparring)
  • Cage Fighting
  • Climbing walls
  • Dim mak
  • Kali/Escrima
  • Licensed daycare
  • Massage Therapy
  • Muay Thai
  • Overnight camps or competitions
  • Parkour / Free Running Training
  • Sharpened or Bladed Weapons
  • Swimming pools
  • Tumbling Apparatus
  • Trampoline Training Facilities
  • Trapezes
  • Zip Lines
  • Non-Owned and Hired Automobile Liability
  • Abuse and Molestation
  • Inland Marine coverage for contents and equipment

General Liability Limits
  • $1,000,000 Occurrence
  • $5,000,000 General Aggregate
  • $5,000,000 Products-Completed Operations Aggregate
  • $1,000,000 Personal and Advertising Injury
  • $1,000,000 Damage to Premises Rented to You
  • $2,000 Medical Payments (except for participants)
  • Participant Legal Liability Included

General Liability Notable Exclusions & Endorsements
  • Asbestos Exclusion
  • Lead Exclusion
  • Fungi/Bacteria Exclusion
  • Abuse or Molestation Exclusion (unless optional coverage is purchased)
  • Fireworks Exclusion
  • Additional Insured - Certificate Holders
  • Participant Legal Liability Coverage Form
  • Professional Liability Included
  • Products/Completed Operations Hazard Redefined
  • Instructors, Coaches and Sports Officials - Broadened Coverage
  • Exclusion of Liability Insurance Afforded Under Another Policy (any other liability insurance afforded to the insured by any other carrier)
  • Exclusion - Designated Activity, Service or Work - Acupuncture or acupressure, bungee jumping, tackle football, concerts, day care operations, swimming pools, water attractions, amusement devices [amusement devices do not include inflatable structures], go-karts or other motorized racing, massage therapy, boxing (contact/sparring), acrobatic and/or circus silk training, cage fighting, Muay Thai, Dim mak, Kali/Escrima, ultimate fighting/UFC, carnivals/circuses/fairs, gymnastics, cheerleading, laser tag, paintball, climbing walls, traverse walls (exceeding six feet in height), zip lines, trapezes, trampolines, transportation of participants, overnight camps or competitions, sharpened or bladed weapons, parkour/free running

Accident Medical
  • $25,000 Excess Accident medical limit is standard, with optional $100,000 limit also available.
  • $100 deductible.
  • $10,000 Accident Death & Dismemberment Limit.
  • Benefit period is 52 weeks.

Contents and Equipment Coverage
  • Coverage for limits up to $150,000 are available online (higher limits require separate offline underwriting).
  • Coverage is provided on a Replacement Cost basis.
  • A deductible of $1,000 per occurrence applies.

Contents and Equipment Coverage Enhancements
Note: These enhancements do not increase the applicable Contents and Equipment Limit unless otherwise specified.
  • Computer Systems - $25,000 Computer Equipment and $25,000 Media and Data
  • Personal Effects - up to $5,000 per person and $25,000 per occurrence
  • Property of Others - $10,000
  • Valuable Papers and Records - $50,000
  • Accounts Receivable - $25,000
  • Fire Extinguisher Recharge - $1,000 (no deductible applies)
  • Outdoor Signs - $3,500 per sign in any one occurrence
  • Earthquake Sprinkler Leakage - $10,000
  • Loss of Use of Modifications Made to a Building You Do Not Own - $50,000 in addition to the Contents and Equipment Limit
  • Water - $30,000 (total limit for water damage and Business Income/Extra Expense related to water damage)
  • Business Income and Extra Expense - $100,000 in addition to the Contents and Equipment Limit - 72-hour waiting period, no coinsurance applies
  • Utility Services (Business Income and Extra Expense) - included in $100,000 BI/EE limit
  • MRSA (Methicillin-Resistant Staphylococcus Aureus) Contamination (Business Income and Extra Expense) - included in the $100,000 BI/EE limit
  • Optional coverage for glass is available, up to a $25,000 limit, for a flat charge of $250

The above Program Summary information is offered as a snapshot of the coverages provided through the FastCov online insurance program. For a complete description of coverages and exclusions, the policies should be read and reviewed in detail. The precise coverage afforded is subject to the terms and conditions of the policies as issued.
American Specialty