A Claim Can Put Your Out of Business
It is important to have the right type of insurance for your industry. We sell insurance for dance schools and summer or seasonal academies. Take a moment to review several of key coverages for which we can obtain quotes. Coverages and options will vary by policy, so make sure to confirm that you have the coverage that you are seeking. The information below is provided for educational purposes only.
(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 INCLUDES SUITS ARISING OUT OF:
- Injury or death of participants
- Injury or death of spectators
- Injury or death of volunteers
Sexual Abuse Claims
Abuse and Molestation
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...