Mma Insurance

Given the fact that mixed martial arts are a very tough sports practice, special insurance policies had to be created to correspond to the specifics of MMA. Besides physical fitness, discipline and lots of strength, MMA fighters can also get injuries as a result of training or cage fighting. In the past there was insufficient MMA insurance coverage or the costs of the premiums were too high to pay. Thanks to the Martial Arts Accident and Liability Insurance Program, full contact combat sports are no longer a problem when the participants have injury claims. According to this program, policy holders receive coverage for bill payment up to $250,000.

There are all sorts of terms and conditions that users have to be aware of when choosing an MMA insurance plan. For instance, you should know that the plan only covers the treatment costs of injuries that have resulted from mixed martial arts training or competition fighting. There is no coverage for health problems that are not related to MMA practice. Moreover, health problems resulting from the administration of drugs or narcotics are the athlete's responsibility and the insurance company will not cover the treatment costs for such cases. Furthermore, there is no coverage for family members, and there is no dental plan involved unless the dental treatment is required by an injury.

The MMA insurance plan can be used by martial arts schools and studios, employees, directors and trainers that can be bodily injured during MMA training. It is very important to know what you are insured for and which claims can be made on the basis of the policy. If you don't understand the terms of the MMA insurance policy well, chances are to make unfounded claims or file a law suite for various prejudices. Talk to the agency or the insurance organization that provides the service before you actually sign the contract. Moreover, check with the Better Business Bureau and see whether the insurer is authorized to sell policies.

For a martial arts studio that needs an MMA insurance, an average minimum quote would be $500 per year, but the costs are usually higher because there is also a minimum rate per person per year. This means that the monthly charge depends on the number of stuff members and how you negotiate the plan when you sign the policy with the insurer. Extensions and limitations do exist as well, but you have to check them from the very beginning in order to avoid unpleasant surprises.