Dance Insurance Services

Providing others with the opportunity to participate in sports, leisure and entertainment is admirable but it also carries an element of risk. The mere nature of recreational activities involves physical activity; personal risk-taking and competition, for these are the elements that bring us enjoyment and personal satisfaction. Along with these types of activities comes the chance of injury or personal loss. It is the responsibility of the organizers to prepare for and attempt to limit such risks. Although all possible precautions may be taken, accidents do happen and organizers must be prepared to deal with them responsibly, professionally and swiftly. To assist you and your organization in preparing for most potential risks and take precautions against them, we have provided Risk Management information for your use. It is important to understand that this information will not entirely eliminate risk, but it will serve as a tool to help reduce an organization's or event sponsor's exposure.

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

  • • Property damage liability
  • • General negligence claims
  • • Host liquor liability (nonprofit)
  • • Injury or death of participants
  • • Injury or death of spectators
  • • Injury or death of volunteers
  • • Ownership, use, or maintenance of gyms, fields, or school area
  • • All activities necessary or incidental to conduct of activities
  • • Cost of investigation and defense of claims, even if groundless

Medical Insurance (Pays the medical bills of an injured student or staff member) $100,000.00 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 $100.00 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
$5,000.00 Medical Expense Benefit

This coverage will reimburse an injured spectator or guest for medical and/or funeral expenses incurred as a result of bodily injury or death sustained by, regardless of whether you are liable or not.

Contents Insurance

  • • Contents up to the specified limit
  • • This Inland Marine insurance product provides coverage for your equipment and contents up to the specified amount

What you should know
As a performing art, dance allows students both young and old to express their emotions through body movement. Participation can provide physical fitness, discipline and entertainment but can also result in accident and injury. Many families have little or no medical insurance, and those who have coverage may be required to meet large deductibles before their insurance pays any benefits. In addition, studio owners run the risk of personal exposure to lawsuits through a participant's injury claim and liability insurance requirements mandated by lenders or landlords.

This Specialty Insurance Program for Dance Schools and Studios is designed to help significantly reduce the financial and emotional burden one can incur as a result of a lawsuit or participant injury claim. Accident and liability insurance coverage is offered as a standard product and optional coverage’s are also available for a variety of requirements including equipment, hired and non-owned automobiles and additional higher liability insurance limits.

Exclusions and Limitations
This plan does not cover any loss to or resulting from:

  • • Suicide, self-destruction, attempted self-destruction or intentional self- inflicted injury while sane or insane.
  • • War or any act of war, declared or undeclared.
  • • Sickness, disease or any bacterial infection, except one that results from an accidental cut or wound or pyogenic infections that result from accidental ingestion of contaminated substances.
  • • Voluntarily taking any drug or narcotic unless the drug or narcotic is prescribed by a Physician.
  • • Covered Expenses for which the Covered Person would not be responsible in the absence of this Policy.
  • • Injuries paid under Workers’ Compensation, Employer’s liability laws or similar occupational benefits or while engaging in activity for monetary gain from sources other than the Policyholder.
  • • Injury caused by, contributed to or resulting from the Covered Person’s use of alcohol, illegal drugs or medicines that are not taken in the dosage or for the purpose as prescribed by the Covered Person’s Physician. Service or Active Duty in the armed forces, National Guard, military, naval or air service or organized reserve corps of any country or international organization.
  • • Services or treatment rendered by a Physician, Nurse or any other person who is employed or retained by the policyholder; or an Immediate Family member of the Covered Person.
  • • Treatment of a hernia, Osgood- Schlatter’s disease, osteochondritis, appendicitis, osteomyelitis, cardiac disease or conditions, pathological fractures, congenital weakness, whether or not caused by a Covered Accident.
  • • Damage to or loss of dentures or bridges or damage to existing orthodontic equipment, except as specifically provided in this Policy.
  • • Eyeglasses, contact lenses, hearing aids.
  • • Travel or flight in or on any vehicle for aerial navigation, including boarding or alighting from: While riding as a passenger in any aircraft not intended or licensed for the transportation of passengers.