The cover
Insurance built for high-risk sports.
Cover file 01
Combined Liability
The core of the program. Two limits that may respond when something goes wrong on the mats, in the ring or at an event — always read against the way the business operates.
$20m
Public Liability
Designed to address third-party injury or property damage claims connected with the business, subject to policy terms.$5m
Professional Indemnity
Professional indemnity may respond to claims arising from coaching or professional advice, depending on the activity, circumstances and policy terms.Ask us about
- What is included
- What is excluded
- How coaching is described
- Sparring and competition work
- Incident records
Cover is subject to eligibility, the policy terms, conditions, limits and exclusions. Read the relevant policy documents before making a decision.
Cover file 02
Business Pack
The gym is a business as well as a training space. A business pack may include the pieces that keep it running when something other than a round goes wrong.
Areas it may include
- Contents & equipment
- Mats, bags, the cage or ring, fit-out and the gear members train on.
- Premises & glass
- Building and glass cover where the property is owned or the lease calls for it.
- Business interruption
- The ongoing costs that do not stop if the doors have to close for a covered event.
- Workers’ compensation
- Cover for employees and working directors, arranged where your state’s scheme allows a broker to place it.
- Optional theft
- Theft and related cover selected to suit the individual business.
Cover is subject to eligibility, the policy terms, conditions, limits and exclusions. Read the relevant policy documents before making a decision.
Cover file 03
Risk Mitigation & Education
Good cover sits behind good process. Before we talk policies, we talk about the gaps we see most often in combat sports gyms — and the systems that close them.
Policies gyms often lack
Written policies most gyms never get around to — until the day they are needed.
- Pregnancy — a clear policy for training, disclosure and coaching decisions
- Blood spillage — a procedure people can follow under pressure
- Infectious disease — hygiene and exclusion steps everyone understands
- Discrimination — documented standards for members, staff and coaches
Systems worth tightening
Day-to-day habits on the mats that make the difference when a question is asked later.
- Incident reporting — consistent records and clear escalation
- Waivers — part of the system, not the whole system
- Skill pairing — match experience, size, intensity and purpose
- Contact levels — set expectations before the round starts
General education only. Final procedures and legal documents require suitable professional review.
By discipline
Cover across the disciplines.
Final eligibility depends on the individual risk and policy terms.
How it works
From first chat to current cover.
01
Tell us what you do
Members, coaches, premises, events and how much contact your training actually involves.
02
Review the options
We come back with cover options that may suit the way the business operates, explained in plain language.
03
Provide the details
You supply the documents and specifics needed to set the policy up properly the first time.
04
Confirm your cover
Once you are comfortable with the terms, the cover is confirmed and the documents land in your inbox.
05
Keep it current
Tell us when the business changes, including new classes, premises or events, so we can review whether the policy still suits the work.
Paperwork corner
What you may need on hand.
Worth digging out
- Identity proofs
- Address proofs
- Photographs of the premises and equipment
- Contact details
- Your current policy schedule and claims history, if you have one
Nothing fancy
Most of this already lives in the filing cabinet or on your phone. Having it ready keeps the quote moving and the details accurate — no chasing, no guesswork.
