No, no, no, I'm not comparing an MMA gym to a BJJ gym. I'm comparing an MMA gym that teaches pure MMA to an MMA gym that teaches its subdisciplines separately. They both involve Muay Thai, wrestling, and BJJ. So why would the gym that teaches them together be more expensive to insure than the one that teaches them separately?
You have clearly never operated a martial arts gym before
they ask you a couple questions before they give you your rate
They specifically ask you if you allow Muay Thai, boxing or MMA and if you allow sparring
You can claim that you offer cardio kickboxing, Brazilian Jiu Jitsu and wrestling to your insurance company and then turn around and advertise your Club as an MMA gym
Then on the down-low every once in awhile you might find a tougher individual who wants to train in legitimate MMA
of course noobs believe that you can glue kickboxing Jiu-Jitsu and wrestling together and you are an MMA trained athlete
The fact is to be a legitimate MMA gym you don't do kickboxing Brazilian jiu-jitsu or wrestling
You don't have a rank system and you don't have association fees
You most likely don't have a uniform either
Pro boxing gyms don't practice three other sports glue them together and call them boxing they just practice boxing
The fact is MMA gyms are very expensive to run and have a very low profit margin in the corporate American model
The only way these for-profit Enterprises can function is to offer a la cart martial arts menu and have a cage in the back where people can try their hand at some MMA sparring
every once in a while you might have an individual show up that exclusively wants to train in MMA however you don't have an MMA class you have an a la cart Martial Arts Club with a little bit of MMA going on with a tiny select few individuals
That person learns to box from a boxer learns to wrestle from a wrestler and learns Brazilian jiu-jitsu from guess what sport Brazilian jiu-jitsu expert
the boxer doesn't know how to kick
the wrestler doesn't know how to submit
And the BJJ expert doesn't know how to throw a knee
That's why we are falling behind in MMA because we don't even have MMA gyms we have pseudo MMA
99% of the gyms out there that advertise MMA don't have an actual MMA class... it's just a hook to get people to sign up for the much more expensive A la cart menu