Wednesday, February 11, 2015

Dance Schools and Studio Insurance...

Dance Schools and Studio Insurance

Dance is an art form that grants dance students the opportunity to express themselves though physical movements. As a holistic activity, dancers of all ages can improve their physical fitness and self-discipline. Additionally, dance provides entertainment for dances and audiences alike. However, there is the very real risk of injury or accident for dancers.

Insurance Issues for Dancers

Medical insurance may not be an option for many dancers who often pay out large deductibles in order to receive any benefits. Dancers aren’t the only ones at risk here. Dance studio owners can lose their businesses due to liability insurance requirements set by landlords or banking lenders. In the case that a dancer is injured in the studio, an injury claim for dance insurance could bankrupt a dance studio owner.

Specialty Dance Insurance Program

Thanks to the Specialty Insurance Program established for Dance Studios and Schools you can avoid being burdened by accident or injury as a dancer. This type of specialty dance insurance provides coverage for participant injury claim or lawsuits. Elect to have liability and accident insurance for your standard coverage. Additionally, you can opt to tack on higher liability limits, coverage for non-owned vehicles, and dancing equipment.

Accident Coverage

Eligible expenses for those with Accident Coverage include those expenses that are vital for service and treatment. Examples include:
  • Prescriptions
  • X-rays
  • Surgical or medical care conducted by physicians
  • Dental care for natural, healthy teeth
  • Hospital stays in semi-private rooms or for outpatient care
  • Orthopedics used for healing
  • Ambulance ride to nearest hospital following accident

Liability Coverage

Anyone associated with dance programs can be covered by general liability coverage. This includes:
  • Dance studios
  • Dance studio owners
  • Dance directors
  • Dance instructors
  • Dance studio employees
General claims include:
  • Property damage
  • Bodily injury
  • Advertising injury
  • Personal injury
  • Litigation for defense of any of the above liability claims
Specific types of cases that could benefit from liability coverage include:
  • Death or injury to volunteers, spectators or participants
  • Claims of general negligence
  • Nonprofit hosts’ liquor liability
  • Activities directly or relatable to dance activities
  • Dance studio or gym ownership, maintenance and usage
  • Claims’ investigations costs

Optional Coverages

Perhaps you are looking for specialty coverage that does not come with the general or accident liability dance insurance. Fortunately, there are several options that you can add on to your policy to ensure greater protection. These include:
  • Equipment Coverage
  • Independent Contractors
  • Excess Liability
  • Sexual Molestation and Abuse
  • Non-Owned and/or Hired Vehicle Liability
  • Increased Aggregates
  • Increased Medical Expense Benefit

Monday, February 9, 2015

Testimony-Finding True Rest and Peace in Jesus

From my friend and sister in Christ Kara:

Well I can't sleep. This is not a problem I normally have but after prayerful consideration, I feel prompted to share my thoughts. Some of you may have noticed over the course of my six years of posting to Facebook that I have changed and in some ways quite drastically. We all change but sometimes the changes we make may cause our "friends" to become uncomfortable with us. I have been there, peering into the Facebook life of someone whose posts and comments made me uncomfortable. I remember asking myself, "I wonder what happened in his or her life to make them so preachy preachy about God?" I would judge them. I found their openness almost offensive. You see, I grew up in a Christian family with a Catholic grade school and high school education. I knew just enough about Christianity to be dangerous. I suppose I had become one of "those Christians" that picked and chose what I believed in. I believed in God, in Jesus, in the Holy Spirit and even in the Trinity. But, ironically, I wasn't a firm believer in the bible. I had never bought into the fact the bible is the living word of God. I thought the bible was more anecdotal, fable-like, morality driven to help us lead good lives. After 10 years of straying from God, life hit me with a very difficult situation. I remember feeling so overwhelmed with emotion and anxiety that I literally cried out to God in desperation asking for Him to speak to me. I remember saying very demandingly that I needed to hear from Him as I cried myself to sleep. The next morning when I opened my eyes, a bible verse was written in plain site before my eyes. 2 Chronicles 20:15. I panicked! I didn't even own a bible. Thankfully, my good'ol southern baptist boyfriend had one on his nightstand. I grabbed his bible thinking to myself, "Chronicles" is a book in the bible? I had no clue where in the bible it was but thanks to my upbringing, I at least understood how to look up the verse. The verse stated: "Thus says The Lord to you : 'do not be afraid nor dismayed because of this great multitude for the battle is not yours, but God's." I cried out to God and He spoke to me with the exact instruction I needed in his own words from the bible, using an Old Testament book nonetheless! This one moment in my life has had the most profound effect on me as a person. I can honestly relate to the lyrics in this song by the Rhett Walker Band: "In one moment everything changed, Who I was got washed away, When mercy found me, My Savior's arms were open wide, And I felt love for the very first time, When mercy found me." After an experience like that, it is just impossible to go back to the person I once was and honestly I wouldn't want to. My eyes have been opened to the truth. I can't turn away and I can't not talk about it. I will boldly face the skeptical public arena of Facebook with confidence that there is only one judge in my life and He is not in this world. My hope is that the next time you read a Christian post or a bible verse that someone has posted on Facebook that you read it, thoughtfully, with openness, without judgement, with the boldness to possibly hit the like button and open you heart to the Creator. He is seeking you.