IMPORTANT NOTICE: ALL insurance questions should be directed to the AJJF Chair of Insurance/Sanctions Committee.
Copies of the policy.
Questions about coverage.
Questions about claims.
Effective August 1, 1998, the AJJF introduced a group insurance policy.
All AJJF member schools in the United States are covered.
All participants at all AJJF events and classes must be AJJF members.
I. Description of Coverage – Policy effective date is August 1, 2004
Per Occurrence Liability $1,000,000
Aggregate Liability $3,000,000
Excess Medical Benefit $100,000
Medical Deductible for claimants who have primary insurance $250 Medical Deductible for claimants who do not have primary insurance $5,000
Accidental Death & Dismemberment $15,000
II. “Liability Insurance” and “Excess Medical Insurance”
The liability insurance is to protect the AJJF, the school, school head, and instructors if a lawsuit arises.
The Excess Medical Insurance Benefit is to cover accidental injuries.
The cost of the policy is low, since it is meant to be secondary to the individual’s own health insurance, although it would still pay if there is no other insurance. This is not designed to be the member’s primary health insurance.
When a participant becomes injured at a class or event, the member must visit a medical professional for treatment within 30 days of the injury for our insurance to be used. The injury must be reported to the AJJF Insurance Committee AJJF Insurance Committee within 90 days after an injury has occurred.
III.Covered Activities and Requirements
Requirement: All participants, including instructors, must be AJJF members
A discounted event-only membership is available for $5.00 (prices subject to change without notice)
When used in conjunction with a regularly scheduled class workout, the event-only membership must be completed for each/every class session
An event membership may not be “renewed” for consecutive sanctioned events or used for overlapping sanctioned events
Event membership does not include AJJF member benefits such as (not an exhaustive list)
AJJF membership card
Access to the Kiai Echo
Covered Activity: Regularly scheduled class workouts
Covered Activity: Sanctioned events
An event must be explicitly sanctioned (See Handbook section on Sanctions)
Examples of events (not an exhaustive list)
Clinic, which may run multiple days
Multiple session class through a community program lasting up to 12 sessions
Multiple session self-defense class
Covered Activity: Group travel to and from AJJF activities as described below; some restrictions apply, not limited to those listed here
Traveling with the club to or from the activity; and under direct supervision of the club
An individual who volunteers to drive a non-owned commercial vehicle shall be required to add special liability insurance on their own auto policy and seek reimbursement through the AJJF
IV. Who is Covered?
Dojo, School Head & Instructors, AJJF.
Available to our schools in all 50 states.
Not available outside the United States.
Excess Medical Benefit
V. Exclusions – What is Not Covered by the Policies?
If the school head also owns the building and/or property in which the school operates, additional insurance may be needed. This group policy is not sufficient for your building & grounds. This insurance is for the regular operation of the school – liability and excess medical.
Live blade training.
Participants in non-Danzan Ryu programs offered by the school, unless the non-DZR program has been reviewed and sanctioned by the AJJF Board of Professors.
Tournaments, Competitions or Contests with:
Those offering cash prizes.
It does not cover: (Check with your building owner to see if the Building is insured for these losses.)
Damage to, or theft of, equipment.
Broken windows, mirrors, walls.
The medical benefit does not cover “Injuries which result over a period of time (such as blisters or tendonitis, etc.) and which are a normal, foreseeable result of the sport. . .”
Tournaments not sanctioned by the AJJF. (See Handbook section on Sanctions)
VI. What are the Conditions to be an AJJF School, in Terms of Insurance Coverage?
All participants MUST be AJJF members.
Annual adult membership is $60.00. Age 15 and under is $30.00.
Event-only memberships are available for $5.00
Membership prices are subject to change without notice.
If a school elects to continue to use their own insurance, but still wants to be an AJJF School, all participants must still be AJJF members.
Individual Membership includes signing the waiver.
Each school should still use their own waiver.
See School Handbook for more information on School Membership.
VII. “Additional Insured”
If you need a Certificate of Liability for “Additional Insured” then request one from the Chair of Insurance/SanctionsCommitteee.This certificate may be required by a building owner or facility owner for off-site demonstration.
To advertise an event of any kind as being an “AJJF Clinic/Contest/Camp/Class/etCetera”, it must be sanctioned.
Fill out the Event Sanction Form and send it to the Chair of Insurance/Sanctions Committee.
IX. AJJF Schools
Concerning our insurance policy, all AJJF Standard Schools and Allied Plus Schools in the U.S. are covered by the insurance.
AJJF registration is required of all students enrolled in an AJJF school’s Danzan Ryu program, or any other program offered by the school that has been approved for insurance coverage by the AJJF Board of Professors.