Anyone who is considering teaching dance for pay will want to first consider just what types of dance teacher insurance policies will be required to cover them in case of a legal claim against them. There are a few different kinds of policies that might be appropriate for a dance instructor, and some of them are vitally important for you to consider before you get started teaching.
Public Liability Policies
With a public liability dance teacher insurance policy, meanwhile, dance teachers are covered in case of a suit brought due to an injury from an accident that was caused because you failed to provide your students with a safe learning environment. Say a student were to slip and fall because a mat wasn’t properly secured to the floor. This could be deemed negligence on your part and cause you to be liable for any medical costs incurred as a result of the fall.
Those who rent their studios from a landlord may be able to argue that the property owner is actually responsible for an accident that occurs on the premises, but there’s really no way to avoid having to respond to a legal claim against you. Regardless of whether or not the accident was your fault, once a claim against you has been made, there’s a solid chance that you will have to spend some money in order to fight it. Without a proper insurance policy to turn to, the money to pay for it will likely have to come out of your personal funds.
In addition, most landlords compel their tenants, as part of the lease agreement, to purchase liability insurance. Dance teachers in turn must name the landlord as an 'additional insured' on their policy. This protects the landlord should someone sue you and name them in the same lawsuit.
Which Policy Do You Need?
Because each of the different dance teacher insruance policies cover situations that have some overlapping factors, like injury and loss of income, it’s not always easy to try to figure out exactly what kind of coverage you really need. For dance teachers, the best thing to do is to purchase both policies so that you will definitely be covered in case anything goes wrong. Ideally, both of your policies will be through the same company in order to eliminate any confusion about who should pay regardless of which dance teacher insurance is used. By buying with one carrier, the problem becomes a matter for the insurance company to work out, rather than you having to serve as a frustrated go-between for multiple firms.
Liability claims have become very prevalent in today’s more litigious society, so it pays to be prepared for any event. Thanks to a “no-win/no-fee” mindset in the courts, both medical and public liability policies are considered basic coverage for most teaching professionals.
Other Types of Insurance for Dance Teachers
Those who employ others in their dance school will also need to purchase an employer’s workers compensation insurance policy as a legal requirement for their business. Anytime that a member of your staff is sick or injured due to their working for you, this insurance will protect you against their claims.
For instructors who own their studio space, it’s a good idea to look into building insurance, as well as a policy to cover the contents within. If there’s a catastrophe like a fire or flood that destroys your studio, you’ll be covered and better equipped financially to get back on your feet quickly.
The Limits of Coverage
Your dance teacher insurance will carry a limit as to how much it will pay out on your behalf if a claim is brought against you. Determining your limits of coverage involves taking a real and honest look at the scale of your dance school and how much it would cost you to pay for a genuine disaster or liability lawsuit. Your dance teacher insurance is not the place to pinch pennies as under-insuring your business can be almost as problematic as having no insurance at all.
Minimizing Your Risks
The best way to avoid the headaches that come with a legal action against you is to make your dance school a safe haven for your students. Always be sure that you are clearly advising them on how to perform their routines in a safe and responsible manner. Keeping your studio clean and free of any potential obstacles or hazards will also go a long way toward keeping you out of trouble. By purchasing adequate dance teacher insurance for the size and scope of your dance school and minimizing the chances that one of your students or staff members incurs an injury under your watch, you can also reduce the odds of ever having to face one of them inside a civil courtroom.