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Dance Instructors
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This insurance program is specifically designed to meet the unique needs of a U.S.-based dance instructor directly supervising an individual or a group angaged in dance activities.


Coverage is provided by a carrier rated A+ (Superior) by A.M. Best Company.


This program does not provide coverage for the operation, ownership or maintenance of a fitness, sports or dance facility.  For more information regarding coverage for a facility, please call 1-800-648-6406.
Eligible Operations
A U.S.-based instructor age 18 or older conducting private or group instruction in the following dance activities is eligible to enroll in this program:
- Acro dance/tumbling - 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 gymnastic apparatus)
- Hip Hop - ZUMBA ®
Ineligible Operations:    

Certain operations are not eligible for coverage by this program. K&K reserves the right to decline any request for coverage. The ineligible operations include, but are not limited to the following (and are excluded from coverage):
- Instructors under the age of 18
- Instructor's employment as an exempt or a non-exempt employee of a school, university or college

* If your risk doesn't fit the eligibility of this program, visit our Fitness Instructor or Sports Instructor Programs.
Liability Coverage
General liability coverage protects you if you are legally obligated to pay damages for bodily injury to others and for damage to the property of others resulting from your dance instruction activities. The policy also provides coverage (professional liability) for wrongful acts (breach of duty, neglect, error, omission, misstatement or a misleading statement in the discharge of dance activities) that occur as a result of your instruction activities.

General Liability

- Bodily Injury and Property Damage - Products-completed Operations
- Personal and Advertising Injury - Legal Liability to Participants
- Damage To Premises Rented to You - Professional Liability
- Abuse, Molestation, Harassment or Sexual Conduct - Medical Expense (other than participants)
Defense Cost Reimbursement (up to $100,000)

Notable Exclusions

The following represent only some of the exclusions contained in this policy.
- Abuse, molestation harassment, or sexual conduct - Operation, ownership or management of a fitness, dance
- Amusement devices (e.g.: rides, slides, inflatables, or sports facility
bungees, climbing walls, dunk tanks) - Physicals/stress testing
- Cryogenic chambers/therapy - Physical therapy, massage or salon services
- Cycling (other than stationary) - Sale or distribution of herbal, medicinal and/or
- Employment-related practices nutritional products
- Instruction/activity being held on or in open water - Those operations listed as ineligible
(e.g.: lakes, ponds, ocean)  - Violation of statutes that govern e-mails, faxes, phone call
 - Medical, therapy or health care services or other methods of sending materials or information
* For information regarding coverage for a dance school facility, visit our program page.
K&K Benefits
- Experienced & professional staff dedicated - Active participation in industry trade shows and
  exclusively to servicing the K&K Dance Instructors   meetings
  Program - Over 60 years of experience providing sports, leisure
- Advertising presence in industry trade publications   and entertainment insurance
- In-house underwriting, policy administration and  - 24-hour emergency phone service
  claims services    
NOW AVAILABLE - Buy Coverage On-line!