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

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