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One reason that specialised martial arts insurance needs to be sought is the specific nature of the coverage. If an organization does not supply participant legal responsibility then another option must be wanted. General insurance coverage companies that attempt to draft a coverage under their general service may not fully cover the same issues. It is simply participant legal responsibility protection that matches the setting of a martial arts studio. The needs and desires that a karate college owner can have can not fully be met by a generic insurance firm.

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