Jiu Jitsu Gym Owners Beware: A Common Mistake When Choosing Insurance Coverage.

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 >>>