Dance Insurance Coverage

We offer both general liability and accident medical insurance to dance studios that teach the following disciplines or styles:

Don’t see your dance system above? Contact us to find out if we can still insure you, your studio, or your upcoming tournament.

When an injury, such as a sprained ankle or broken leg, occurs, insurance coverage for your dance studio can alleviate worry and financial burden.

Our general liability insurance policy provides coverage for claims and lawsuits that allege bodily injury or property damage.

General liability covers up to a specific amount to spectators and other non-members of your organization who file a claim or lawsuit against your dance business. Fortunately for policyholders, investigation of the claim and adjustment of any potential payout are taken care of by the insurance company.

General liability also covers property damage that may be due to negligence on the part of the named insured.

Our excess accident medical policy helps pay for out-of-pocket medical costs for an injured dance student or instructor. Injuries do happen when participating in youth and adult dance classes, and an accident medical policy can keep injured students or instructors from facing a serious financial burden due to medical bills from an injury.

Covered individuals would encompass all registered members of your organization, including participants and volunteers, so long as the injury happened during a covered activity.

The policy pays medical bills for a member who is injured at your school or during activities you sponsor, if, either the member has no health insurance, or the medical bills exceed what the member’s insurance will pay.

You can expect an annual premium starting at $4.04 per student for Dance Studios. The calculation of students is based on the most active month of the year where enrollment is highest. This calculation is determined by the previous year’s enrollment activity and desired coverage.

If your dance studio has fewer than 115 enrolled students, there is a minimum premium of $475 plus fees, which equals around $520 per year.

If you are an independent dance instructor, we also offer individual insurance coverage. Contact us or complete the quote form to receive an estimate of insurance premium costs.

The Liability Coverage ($1,000,000 Coverage)

Who Is Covered?

This program provides protection for your Dance School or Studio, owners, instructors, and employees against claims of bodily injury liability, property damage liability, and the litigation costs to defend against such claims. Coverage is provided up to $1,000,000 per occurrence with a general aggregate amount of $1,000,000. There is no deductible amount.

Coverage includes suits arising out of:

• Injury or death of participants
• Injury or death of spectators
• Injury or death of volunteers
• Property damage liability
• General negligence claims
• Cost of investigation and defense of claims, even if groundless

Exclusions & Ineligible Sports/Activities

Abuse/Molestation, Assault & Battery, Employment Related Practices, Total Pollution, Collapse of Temporary Structure, Fireworks/Pyrotechnics, Use of Trampolines, Inflatables, Diving Boards, Swimming Activities, Gymnastics, Cheerleading Pyramids, Skin & Scuba Diving, Snow Skiing, Water Skiing, Motor Sports, Rodeo or any Equestrian Related Sports, Polo, Mountain Climbing, Rock Climbing, Climbing Walls, Waterslides, Ballooning, Parachuting, Sale/Manufacture/Distribution of Athletic Equipment, Use of Saunas or Tanning Devices, Aerial Maneuvers or Silk Rope Activities More than 5 Feet off Ground.

Participants Medical Payments

All youth and adult students and staff members of the Policyholder are covered while participating in sponsored activities.

Maximum Excess Medical Expense Benefit

If the Covered Person incurs eligible expenses as the result of a covered injury, the Company will pay the cost of such expenses, which are incurred within a 52-week period following the date of the accident, beginning on the date of the accident. Payment will be made for eligible expenses, not to exceed the Maximum Medical Expense Benefit of $100,000, subject to a deductible amount of $100. The first such expense must be incurred within 90 days of the date of the accident.

This coverage is excess medical, commonly known as secondary coverage. Primary coverage of the injured party will be responsible for initial payment of medical expenses. This coverage pays expenses not paid by the insured’s primary insurance, subject to the plan deductible. This plan does not cover treatment or services payable under any other insurance or medical service plan available to the Covered Person.

Exclusions and Limitations

This Plan does not cover any loss due to or resulting from:

• Sickness or disease in any form, except pyogenic infections due to an accidental cut or wound.
• The use of drugs or narcotics, unless administered under the advice of a physician.
• War or any act of war, whether or not declared.
• Participation in any riot or civil commotion.
• Suicide or any attempt thereat or any self-inflicted injury.

The Optional Coverage We Provide:

Independent Contractors:

who receive a 1099, can be added to coverage at your location only.

Sexual Abuse and Molestation:

$1,000,000 liability coverage is an option that can be added to protect you from claims that may arise out of alleged abuse and/or molestation.

Spectator Med Pay Benefit:

provides $5,000 in reimbursement medical expense coverage in case a spectator is hurt at your location, whether you are liable or not.

Equipment Coverage:

covers your contents and equipment up to a specified limit.

Hosted Recitals:

covered at no extra charge.

Insurance Carrier

The General Liability with participant accident coverage included is provided by an “A+” (Excellent) rated by A.M. Best Company.

Are you a dance instructor or teacher seeking liability insurance? Here are the specific reasons you’ll want to consider getting coverage.

• Protection against liability claims
• Coverage for property damage
• Participant injuries
• Studio or venue requirements
• Professional indemnity coverage
• Business interruption coverage
• Coverage for additional instructors or employees
• Professional reputation and credibility

If the studio you work for already has an insurance program, here are some additional reasons you may want to still have your own coverage.

• Coverage limitations
• Independent contractor status
• Personal assets protection
• Flexibility and control
• Continuing coverage
• Professional independence
• Professional development opportunities
• Long-term career considerations

Give us a call if you’d like to explore coverage and better understand these various dynamics that give you the peace of mind you’re seeking as a dance instructor.