Martial Arts Insurance Events

Boxing, Kickboxing, Mixed Martial Arts, MMA Events, Wrestling & Toughman Competitions

General Liability Insurance

Protects you in the event of a lawsuit or property damage

Who Is Covered
This program provides protection for the promoter, employees, staff and volunteers against claims of bodily injury liability, property damage liability and the litigation costs to defend against such claims. There is no deductible amount.

Coverage Includes Suits Arising Out Of:

Injury or death of spectators
Injury or death of volunteers
Property damage liability
Incidental medical malpractice
All activities necessary to conduct of event
Ownership use or maintenance of arena or event areas
General negligence claims
Cost of investigation and defense of claims, even if groundless

Coverage Available For:

Various liability coverage limits from $1,000,000.00 to $3,000,000.00

Exclusions
Claims made by athletic participants, fraudulent or dishonest acts, asbestos liability, assault & battery, punitive or exemplary damages, sexual abuse & molestation, employment related practices, professional liability, total pollution, collapse of temporary structure, fireworks and pyrotechnics, nuclear energy liability, use of saunas, sale/manufacturing/distribution of any athletic equipment and liability for occurrences prior to the effective date of coverage. All of the above are subject to the terms and conditions of the policy.

Note: There is no liability coverage for claims arising out of any of the following activities: Gymnastics, Cheerleader Pyramiding, Trampolines or Inflatable Devices, Water slides, White Water Rafting, Scuba Diving, Bungee Jumping, Rock Climbing, Repelling, Ballooning, Parachuting, Rodeo or any other Saddle Animal Exposure.

Program Highlights

Occurrence Form Policy
"A" Rated Insuring Company
No Charge For Additional Insureds
Low Minimum Premiums For Small Events
Easy To Complete, One Page Application

Liability Premium Rates

$1,000,000 Per Occurrence $2,000,000 General Aggregate
2000 or less spectators $450.00 Total Premium
2001 or more spectators- Submit application for quotation

* Liability coverage cannot be purchased on a "stand-alone" basis. An Accident Medical Insurance policy must be in place before the Liability Policy can be issued.

This page has been designed to illustrate the highlights of this program but is not a contract. Some exclusions and coverages may be modified to meet individual state requirements. For specific details, please view a sample policy.

Release and Waiver Requirement
Each Policyholder must keep on file a current completed and signed Release and Waiver of Liability/Informed Consent for each athletic participant prior to the participation in any Policyholder activity. Policyholders are responsible for distributing forms to their athletic participants and maintaining completed forms for simultaneous delivery at the time of notice of an athletic participant�s injury claim. Provided you have implemented such procedures and you are unable to secure and provide such �release� despite your best efforts, you must assume and pay the first $2,500 of each occurrence (including supplemental payments) resulting in an�athletic participant� legal liability claims. �Athletic participant� means players, coaches, managers, staff members, team workers, volunteers, game officials and cheerleaders who have been granted proper authorization to enter any "sponsored events."

The Accident Medical Plan

Pays the medical bills of an injured participant or staff member.

Who Is Covered
All participants are covered while participating in Policyholder sponsored and supervised boxing, kickboxing or wrestling events. A participant is also covered while traveling, directly and without interruption, to and from any Policyholder sponsored activity and his or her home or place of residence.

Maximum Medical Expense Benefit
If the Covered Person incurs eligible expenses as the result of a covered injury, the Company will pay the charges incurred for such expense within 1 year, beginning on the date of accident. Payment will be made for eligible expenses in excess of any other applicable insurance, not to exceed the Maximum Medical Expense Benefit. The first such expense must be incurred within 60 days after the date of the accident. "Eligible Expenses" means charges for the necessary medical treatment and service, not to exceed the Maximum Medical Expense Benefit as indicated on the following pages.

Excess Coverage: This Plan does not cover treatment or service for which benefits are payable or service is available under any other insurance or medical service plan available to the Insured Person.

Accidental Death & Dismemberment

If a covered injury results in any of the losses specified below within one year after the date of the accident, the company will pay the applicable amount.

Full Principal Sum for loss of life
Full Principal Sum for double dismemberment
Full Principal Sum for loss of sight of both eyes
50% of the Principal Sum for loss of one hand, on foot or sight of one eye
25% of the Principal Sum for loss of index finger and thumb of same hand

Member means hand, foot, or eye. Loss of hand or foot means complete severance above the wrist or ankle joint. Loss/of eye means the total, permanent loss of sight/ If the Principal Sum is payable, no indemnity will be paid for dismemberment. In any event, the Double Dismemberment Indemnity is the maximum amount payable under this Benefit for all losses resulting from one accident.

Exclusions and Limitations
This Plan does not cover any loss to or resulting from:

Intentionally self-inflicted Injury, suicide while sane or insane or any attempt thereat (in Missouri this applies only while sane)
Voluntary self-administration of any drug or chemical substance not prescribed by, and taken according to the directions of the Insured Person's Physician
Participation in a riot or insurrection
An act of declared or undeclared war
Active duty service in any Armed Forces of any country, and, in such event, the prorated unearned premium will be returned upon proof of service. This does not include Reserve or National Guard active duty or training unless it extends beyond 31 days
Parachuting, except for self preservation
Bungee jumping, flight in an ultra light aircraft, hang gliding
Sickness, disease, bodily or mental infirmity or medical or surgical treatment thereof, bacterial infection, regardless of how contracted. This does not exclude bacterial infection that is the natural and foreseeable result of an Injury or accidental food poisoning
Services or treatment rendered by a(n) Physician, Nurse or any other person who is:

- Employed or retained by the Policyholder; or
- Is the Insured Person or an Immediate Family Member
Flight in an Aircraft, except as a fare-paying passenger
Dental treatment, except as otherwise provided, and only when Injury occurs to sound natural teeth
Any loss for which benefits are paid under state or federal worker's compensation, employers liability, or occupational disease law
Treatment in any Veteran Administration or Federal Hospital, except if there is a legal obligation to pay
Cosmetic surgery, except for reconstructive surgery due to a covered injury
Charges which the Insured Person would not have to pay if He did not have insurance
Eyeglasses, contact lenses, hearing aids
Charges which are in excess of Usual, Customary and Reasonable charges

Extended Claim Service
The first and foremost reason a Policyholder purchases insurance is in the event a claim, that claim is processed in a swift and professional manner. With this understanding, all claims are processed through The Loomis Company of Wyoming, Pennsylvania. Claim forms are supplied in any quantity at no additional charge. All claim forms have filing instructions and a toll free (800) number for claim inquiries or filing help. Copies of all EOB's (explanation of benefits) and denial letters will be sent to the appropriate Policyholder official or agent. Monthly claim detail reports for each Policyholder will also be mailed. Policyholder officials and agents will also be provided with an internet address to which they may access using any internet browser such as AOL, Internet Explorer or Netscape. At this website they will be able to use a policy specific logon user name and password to view claim information. Information includes name of claimants received, provider information and outstanding amounts, paid amounts and any information requests such as a need for a completed claim form or an itemized medical bill from a provider.

Average claim turnaround time is approximately five to ten days. No pre-certification will be necessary for claimants that must undergo surgery or other similar treatments. If a claimant or physician needs to verify benefits before treatment, that claimant or physician can contact the claims office, the appropriate agent or the plan underwriter. The claims office is a participating member of multiple preferred provider networks including 10 national networks, 85 individual PPO's, 3,000 hospitals and 500,000 physicians. A claimant is not required to seek treatment from physicians or hospitals that also participate with one of these organizations. A claimant is encouraged to seek treatment at the most convenient location of his or her choice. However, when a claimant visits a physician who is a participating member, it results in a 10% - 30% reduction of the medical bills. Most hospitals and major physician offices are members of one of these preferred provider organizations. When filing a claim there are no special requirements or procedures, everything is processed by the claims personnel.

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