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Martial arts and dojo insurance in Quebec 2026

Civil liability, student injuries, dojo equipment, competitions and tournaments: the complete protection for karate, judo, taekwondo, MMA, Brazilian jiu-jitsu and mixed martial arts schools in Quebec.

Free quote in 2 minutes →
$10M+
RC available up to
100+
AMF partner firms
48h
Accelerated issuance
2 min
Online application

Why this insurance is essential in Quebec

Running a martial arts school in Quebec — whether it’s karate, judo, taekwondo, MMA, Brazilian jiu-jitsu, krav maga, aikido, kung fu, capoeira or boxing — involves structural physical risks. Contact sports inevitably lead to injuries: wrists, fingers, bruises, sometimes fractures and concussions. Professional liability protects the instructor and the dojo against lawsuits following an accident during training.

Beyond the RC, the dojo manages a commercial space, expensive tatami mats, punching bags, training equipment and often an adjoining shop. Competitions and tournaments — internal, regional or provincial — require a special event policy that covers all external participants and referees.

Annual Coverage or Special Event

◆ ANNUAL COVERAGE

For permanent operators

Do you operate continuously — seasonal or yearly? The annual policy covers your entire business activity: regular customers, employees, equipment, premises, vehicles.

  • Seasonal (May-October) or continuous
  • Renewable from year to year
  • Adjustable Endorsements (Volume, Locations)
  • Municipal/park certificates included
◆ SPECIAL EVENT

For one-time activities

Are you organizing a specific event — competition, open house, corporate activity, fundraiser? The special event policy covers this date with no annual commitment.

  • 1 day to several weeks
  • Competitions, demos, festivals
  • NPOs, municipalities, businesses
  • Accelerated Emission (48h)

What your policy covers

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Professional liability

Injury to a student in class, pursuit following a combat or demonstration accident. Typical limits $2 million to $5 million.

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Commercial premises and equipment

Tatami mats, mirrors, heavy bags, mannequins, weight training equipment against water damage, fire, theft.

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Instructors’ Responsibility

Coverage of senseis, assistant instructors and referees during courses, seminars and tournaments.

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Competitions and tournaments

Special event policy for internal, regional or public demos tournaments — external participants included.

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Shop and stock

If sale of kimonos, gloves, protectors, belts, equipment — stock against theft, fire and water damage.

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Summer Camps and Internships

Children’s martial arts camps, adult intensive camps, retreats — with adjusted minor coverage.

How to subscribe in 3 steps

1

Fill out the online form

2 minutes — nature of the activity, volume, dates, desired RC limit. No payment at this stage.

2

Receive your quote

A broker from one of our partner firms certified by the Autorité des marchés financiers (AMF) will contact you with a precise quote within 48 hours.

3

Accept and receive your certificate

Issuance of the certificate of insurance (PDF) within 48 hours. Document that can be used for your municipal permits, rental contracts or Sépaq/SOPFEU certificates.

Frequently asked questions

What is the RC limit for a dojo in Quebec?
For a locally operated martial arts school, the recommendation is $2 million to $5 million minimum. For MMA, competitive BJJ and schools with a large youth section (summer camps), $5 million to $10 million is more conservative. Rented training facilities often require a certificate from the owner.
Difference between annual and special event?
The annual covers all the regular courses given at the dojo. The special event covers a tournament, a public demo, a seminar with a guest instructor, or a regional competition that attracts external participants.
Does my home insurance cover classes given at home?
No. Teaching business lessons at home — even occasionally — requires dedicated business liability. Home insurance explicitly excludes professional activities.
Are contact martial arts (MMA, BJJ, boxing) insurable?
Yes, but with a specific contact sports endorsement. The detailed declaration of the disciplines practiced, the level (leisure, competition), the refereeing protocol and the wearing of compulsory equipment determines the subscription.
And the children? Summer camps? Junior course?
Youth activities require higher CR limits and a formal supervision protocol: adult/child ratio, instructor qualifications, first aid. These elements must be declared at the time of subscription.
How much does dojo insurance cost in Quebec in 2026?
The bonuses are indicative. They vary according to the discipline, the number of active students, the size of the premises, the presence of the youth section, the history of claims and the RC limit. Accurate submission in 2 minutes.
Are my assistant instructors covered?
Yes, if they are declared at the time of purchase as designated persons or employees. One-time guest instructors (seminars) are usually covered by a special event endorsement.
Is a national sports association (Karate Quebec, Judo QC) enough?
Provincial sport federations often offer basic RC for their affiliated clubs (competitions, official events). However, this policy does not usually cover the dojo’s daily trading classes — additional insurance is required.

For which cities in Quebec?

Coverage available throughout Québec through our partner firms certified by the Autorité des marchés financiers. We regularly handle cases in Montreal, Quebec City, Laval, Gatineau, Sherbrooke, Trois-Rivières, Saguenay and Lévis, as well as in active tourist regions — Charlevoix, Outaouais, Gaspésie, Côte-Nord, Eastern Townships, Laurentians and Mauricie.

Online quote available 24/7, processed by a human broker during business hours.

Why use Assur360

  • ✓Independent comparison tool — Assur360 does not sell insurance directly. We put you in touch with partner firms certified by the Autorité des marchés financiers.
  • ✓More than 100 AMF partner firms in Quebec — recommendations tailored to your business.
  • ✓Free quote in 2 minutes — no commitment, no payment, no abusive reminders.
  • ✓48-hour accelerated issuance — convenient for urgent certificates (permit, park, room rental).
  • ✓Regulatory compliance — Bill 25, Insurance Chamber, Autorité des marchés financiers.

Ready to get your quote?

2 minutes to fill out the form. A personalized response from a broker from an AMF partner firm within 48 hours.

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