A Claim Can Put Your Out of Business
(Disclaimer: Hypothetical Claims situations – These samples are purely hypothetical and there is no guarantee that any coverage will be afforded in a similar event. Each claim must be reviewed by the appropriate claims department and carrier.)
General Liability Claims
A visitor comes to watch dance practice and slips on the floor because he was not wearing the appropriate shoes. He suffers injuriesiof $15,000 and is forced to miss work for several months, resulting in $10,000 in lost salary for which the owner of the dance school is held liability.
Understanding Participant Liability
Did you know that many dance studio/school insurance policies exclude participant liability or do not cover claims arising from bodily injuries that result from participating in a class or other event related to your instruction. Accident medical policies are available to help protect your clients in the event of a covered claim. Make sure to review all of the exclusions listed on your quote or policy. Contact us for more information.
THIS COVERAGE CAN INCLUDE SUITS ARISING OUT OF:
- Injury or death of participants
- Injury or death of spectators
- Injury or death of volunteers
Sexual Abuse Claims
A student attending a dance school brought a lawsuit against the school alleging negligent hiring of an instructor who improperly touched her during a lesson.
Attorneys were hired to defend the school. The case was dismissed after no negligence was found on the part of the school. Defense costs were paid in the amount of $35,000.
You need to work with an agent because of the risks in the dance school industry to understand the different policies available based on your needs. Here are 5 reasons: Some dance school policies exclude participants, meaning that if someone is dancing and gets...