Pay as low as $194 for a rock-solid $1,000,000 Liability Limit that does not require you to join another expensive association, and receive your certificates of insurance IMMEDIATELY.
Beware of other programs that don’t cover punitive damages and that nickel and dime you to death with charges for each additional insured. Read the fine print in competitor’s programs.
If you’re the owner of a dance studio, click here to find out how to save up to 38% while getting the protection you need.
Limits Of Liability And Annual Premiums
| COVERAGE | OPTION 1 | OPTION 2 | OPTION 3 | OPTION 4 | OPTION 5 | |
| Each Occurrence Limit | $1,000,000 | $2,000,000 | $3,000,000 | $4,000,000 | $5,000,000 | |
| General Aggregate | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 | |
| Products/Completed Operations Aggregate | $1,000,000 | $2,000,000 | $3,000,000 | $4,000,000 | $5,000,000 | |
| Personal & Advertising Injury | $1,000,000 | $2,000,000 | $3,000,000 | $4,000,000 | $5,000,000 | |
| Damage to Premises Rented to You (Fire Legal Liability) | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | |
| Medical Expense Payments (other than participants) | $5,000 | $5,000 | $5,000 | $5,000 | $5,000 | |
| Bodily Injury to Participants | $1,000,000 | $2,000,000 | $3,000,000 | $4,000,000 | $5,000,000 | |
| Professional Liability | $1,000,000 | $2,000,000 | $3,000,000 | $4,000,000 | $5,000,000 | |
| 1-YEAR PREMIUM (Certified Instructors) | $194 | $284 | $534 | $784 | $1,034 | |
| (Must Indicate Certification.) | ||||||
| 2-YEAR PREMIUM (Certified Instructors) | $338 | $499.50 | Not Available | Not Available | Not Available | |
| (Must Indicate Certification.) | ||||||
| 1-YEAR PREMIUM (Non-Certified Instructors) | $245 | $360 | $610 | $860 | $1,110 | |
| 2-YEAR PREMIUM (Non-Certified Instructors) | $429 | $636 | Not Available | Not Available | Not Available |
Rates are per instructor and are available 01-01-2023 to 12-31-2023.
Coverage is provided by a carrier rated A (Excellent) by A.M. Best Company.
All Applicants- A $15 RPG fee is required by the carrier for all applications. An RPG fee provides group purchasing power for similar risks resulting in potential advantageous coverage terms, competitive rates, risk management bulletins, and rewards for favorable group loss experience.
Program Eligibility
Eligible Activities Include:
- Acro Dance
- Ballet
- Ballroom
- Belly Dancing
- Clogging
- Contemporary
- Country/Western
- Cultural/Ethnic
- Flamenco
- Folk Dancing
- Hawaiian
- Hip Hop
- Irish
- Jazz
- Latin
- Modern
- Salsa
- Scottish
- Square
- Swing
- Tango
- Tap
- Tumbling (floor only, no gymnastics apparatus)
- ZUMBA®
This program does not provide coverage for the operation, ownership or maintenance of a fitness, sports or dance facility. See our home page for more information.
Program Ineligibility
- Instructors under the age of 18
- Instructor’s employed as an exempt or non-exempt employee of a school, university or college
Exclusions
Please print the application for exclusions contained in this policy.
Risk Management Content
Visit our Risk Management page to access the following important content most applicable to Dance Instructors:
Sample Waiver/Release-Minor & Adult
Are Waivers Worth The Paper They Are Written On?
Before You Sign The Facility Lease Agreement
Collecting Certificates of Insurance From Vendors
Emergency Information / Medical Consent Form
This is not an all inclusive list, check out our Risk Management page for other articles, programs, videos, and forms.
Specialty Areas
- Ballet Instructor Insurance
- Ballroom Instructor Insurance
- Belly Dancing Instructor Insurance
- Clogging Instructor Insurance
- Country/Western Instructor Insurance
- Flamenco Instructors Insurance
- Folk Dancing Instructors Insurance
- Hawaiian Dance Instructors Insurance
- Irish Dance Instructors Insurance
- Jazz Dance Instructors Insurance
- Latin Dance Instructors Insurance
- Modern Dance Instructors Insurance
- Scottish Dance Instructors Insurance
- Square Dance Instructors Insurance
- Cultural/ethnic Instructors Insurance