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Dance Schools & Programs
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  Glossary | Buy On-line

 

                              

 

                                                             
This program is designed for U.S.-based dance schools and other organizations specializing in the instruction of performance and social dance.  Coverage provided includes important liability protection for the school or organization, including its employees and volunteers, for liability claims arising out of its operations.

 

For eligible dance schools or programs, coverage extends to the ownership, maintenance or use of the premise(s) reported to the Company as well as to your "Covered Operations".  Covered Operations consist of those operations and activities at your locations involving registered members/participants, under your direct supervision or organized by you, that have been reported to and approved by the Company, and for which the applicable premium has been paid.  As well as, off-site competitions, demonstrations, parades and fundraising activities, directly associated with those operations and activities at your location involving registered members/participants that are under your direct supervision, or organized by you; and ancillary events or activities at off-site locations involving registered members/participants under your direct supervision, or organized by you, that have been reported to and approved by the Company, and for which the applicable premium has been paid.

 

In addition, coverage can be considered for birthday/social parties at your premises that are under your direct supervision or organized by you, that have been reported to and approved by the Company, and for which the applicable premium has been paid; as well as for activities involving non-registered members/participants, under your direct supervision or organized by you, that have been reported to and approved by the Company, and for which the applicable premium has been paid.

 

Coverage is provided by a carrier rated A (Excellent) by A.M. Best Company. 
 
 
Eligible Operations
 
​-​Acro dance​-
​Irish
-Ballet
-Jazz
-Ballroom-Latin
-Belly dancing-Modern
-Clogging-Salsa
-Contemporary-Scottish
-Country western-Square
-Cultural/ethnic-Swing
-Flamenco-Tango
-Folk dancing-Tap
-Hawaiian-Tumbling (floor only, no gymnastics apparatus)
-Hip Hop -ZUMBA ®
 
Ineligible for this program:
-Acrobatic & circus skills training-Night clubs
-Ballroom rental facilities-Production companies
-Banquet & reception halls-Professional dance companies
-Cabarets-Professional touring companies
-Dance halls-Trampoline parks/facilities
​-​Discotheques
 

Coverages Available & Program Highlights

  
   
General Liability  Non-registered Member Activity Coverage (optional)
-Bodily Injury and Property Damage  
-Personal and Advertising Injury Equipment and Contents Coverage
-Products and Completed Operations(optional)
-Professional Liability                                        
-Medical Payments for Participants (excess)
  Abuse & Molestation or Exploitation Defense Cost 
 -Premises Liability Reimbursement (optional)
   -Hired Auto and Employers Nonowned Liability
 (not available in IL, LA, UT, VT and WI)Sexual Abuse & Sexual Molestation Liability
   -Bodily Injury to Participants Liability
(optional)
     
        
Notable Exclusions
​-
​Abuse, molestation or exploitation (unless reported to, 
​-
Salon services or indoor tanning

approved by us, and appropriate premium paid)
​-
Saunas, steam rooms, Jacuzzi, hot tubs, whirlpools or spas
​-
Any adult-themed parties/meetings/trips, including but not
​-
Sexually transmitted diseases

limited to, parties/meetings/trips during which demonstration
​-
Silica or silica-related dust
of products and/or services used in the adult entertainment
​-
Specified recreational activities - Aircraft/hot air balloon; 
industry takes place

Airport; Amusement devices: The ownership, operation,
​-
Asbestos

maintenance or use of any device or equipment a person rides 
​-
Babysitting and/or childcare services
for enjoyment, including, but not limited to: mechanical or non-
​-
Bodily injury to participants while in a hired or non-owned auto
mechanical ride, slide, or water slide (including any ski or tow
​-
Cap on losses from certified acts of terrorism​
when used in conjunction with a water slide); inflatable
​-
Commercial general liability standard exclusions 
recreational device (unless reported, approved by us); or 

(CG0001 4/13 edition)
vertical device or equipment used for climbing, whether 
​-
Communicable diseases
permanently affixed or temporarily erected. This exclusion does
​-
Cryogenic chambers/therapy
not apply to video or computer games or any device that is
​-
Cyber incident, data compromise and violation of statutes 
specifically designated for the training or instruction of the 

related to personal data

activity for which you are enrolled; Animals; Bungee; Dunk
​-
Cycling (other than stationary)

tank; Haunted attraction; Performer (injury or death to any 
​-
Employment-related practices

performer or entertainer during any activity, event or exhibition
​-
Fireworks

including but not limited to any stunt, concert, show or 
​-
Fungi or bacteria

theatrical event. This exclusion does not apply to participants in
​-
Gymnastics/tumbling classes/programs (unless reported to,

any activity, event or exhibition that are part of the designated

approved by us, and appropriate premium paid)
operations for which you are enrolled)
​-
Instruction/activity being held on or in open water
​-
Rodeo
(e.g.: lakes, ponds, ocean)
​-
Saddle animal
​-
Lead
​-
Snowmobile
​-
Martial arts style consisting of: boxing (contact/sparring),
​-
Sports rehabilitation services/therapy
dim mak, haganah, kali/escrima, mixed martial arts, savate,
​-
Swimming pools (unless reported to, and approved by us, and

sayoc kali, thai boxing/muay thai, training programs for law
appropriate premium paid)

​enforcement, public safety and military personnel, ultimate
​-
The sale or distribution of medicinal, herbal and/or nutritional
​fighting/extreme fighting/extreme/cage fighting and wrestling
​products
​-
Massage therapy
​-
​Those operations listed as ineligible
​-
Medical, therapy or health care services
​-
​Total pollution with a building heating, cooling and 
​-
Multi-passenger vehicles
​dehumidifying equipment exception and hostile fire exception
​-
​Nuclear energy
​-
​Unmanned aircraft
​-
​Operations related, in whole or in part, to performance
​-
​Use of projectile weapons including, but not limited to firearms

​as an exotic dancer or any similar occupation in the adult
​and tasers, and defense sprays

​entertainment industry
​-
​Use of sharpened/bladed weapons
​-
​Parkour, obstacle course, ninja, free-running, tricking, urban

​gymnastics, extreme tumbling, or any similar type programs
​(unless reported to,approved and appropriate premium paid)

            
Preliminary Underwriting Information Required​
-Applications  
-Coverage will be bound for your requested dates upon    
 receipt and approval of your completed enrollment   
 form and payment.