THE LIABILITY COVERAGE – Dance School Insurance

$1,000,000 COVERAGE

(Protects you in the event of a lawsuit or property damage)

COVERAGE MAY INCLUDE 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

With the dance school quote (not for individual instructors) – staff members are included for no extra charge. Please note that independent contractors are not considered staff, however they may be added for an additional premium under optional coverages with the dance school quote.

All information provided here is for education purposes and DOES NOT guarantee coverage.  Please review the policy and quote that you are purchasing for specific forms, exclusions, terms and conditions.

THE ACCIDENT COVERAGE – Dance School Insurance (not for individual instructor policies)

$100,000 BENEFIT

(Pays the medical bills of an injured student or staff member)

MEDICAL EXPENSE BENEFIT

If the Covered Person incurs eligible expenses as the direct result of a covered injury and independent of all other causes, the Company will pay the charges incurred for such expense within 365 days, beginning on the date of accident. Payment will be made for eligible expenses in excess of the applicable $100 Deductible Amount, not to exceed the Maximum Medical Benefit.

The first such expense must be incurred within 90 days after the date of the accident.

“Eligible expense” means charges for the following necessary treatment and service, not to exceed the usual and customary charges in the area where provided.

• Medical and surgical care by a physician
• Radiology (X-rays)
• Prescription drugs and medicines
• Dental treatment of sound natural teeth
• Hospital care and service in semiprivate accommodations, or as an outpatient
• Ambulance service from the scene of the accident to the nearest hospital
• Orthopedic appliances necessary to promote healing

Excess coverage: This plan does not cover treatment or service for which benefits are payable or service is available under any other insurance or medical service plan available to the Covered Person.

ACCIDENTAL DEATH AND DISMEMBERMENT BENEFIT

Benefit Amount is $50,000. If a covered injury results in any of the losses specified below within 365 days of the date of the accident, the Company will pay the applicable amount:

• Full Principal Sum for loss of life, double dismemberment or quadriplegia
• Full Principal Sum for loss of sight, loss of hearing, or loss of speech that is irrecoverable by natural, surgical or artificial means
• 50% of the Principal Sum for loss of one arm, one leg, one hand, or one foot
• 50% of the Principal Sum for paraplegia or hemiplegia
• 50% of the Principal Sum as a monthly benefit for Coma
• 25% of the Principal Sum for loss of index finger and thumb of same hand or four fingers of the same hand

We will not pay more than the Principal Sum for this benefit for all losses due to the same accident.

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