Skip navigation links
Home
About Us
Agents
Services
Claims
FileAClaim
News
Contact Us
 
Dance Instructors
Select a Category
All Programs
Sports
Recreation
Health & Fitness
Events & Attractions
Venues
Motorsports
Outfitters & Guides
Camps
Concessionaires, Exhibitors & Vendors
Products Liability
Franchised Dealerships
Entertainment
D&O with EPLI
Campground, Resort and Guest Ranch
Fraternal Orders
GrouProtector Accident Medical
Recent
Link to K&K Canada

Dance Instructors

E-mail this page | Print this page
Phone  
1-800-648-6406
Fax  
1-260-459-5590
Claims  
1-800-237-2917
 
Ask us a Question/E-mail
 

 

 



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, or omission in the discharge of dance activities) that occur as a result of your instruction activities.
   
Coverage includes incidental virtual training provided by you (the named insured) to your clients. The intention of the policy is to provide coverage for instruction/training under your direct supervision or organized by you, including material created by you that is accessible to your clients only (through a private platform such as a password protected website or a closed Facebook group) - Coverage does not extend to any training material that is accessible to the general public. 

We expect that all reasonable precautions will still be taken when you are assessing potential new clients online, including but not limited to: health assessments, waivers/release forms, and interviews with clients prior to instruction or training. We encourage our clients to consult with their attorney to consider special waiver/release agreements that will apply specifically to virtual training. 

  
Please note, virtual training/instruction does not extend to any training/instruction that includes gymnastic apparatuses, tumbling, or stunting (including pyramids), or in-water activities.  We do not provide coverage for cyber liability, so if you are taking payment or collecting personal information online and it is compromised, there would be no coverage under the general liability policy.

 

General Liability

 
-Bodily Injury and Property Damage-Products-completed Operations
-Personal and Advertising Injury-Bodily Injury to Participants Liability
-Damage To Premises Rented to You-Professional Liability
-Abuse, Molestation or Exploitation-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 or exploitation-Physicals/stress testing
-Amusement devices (e.g.: rides, slides, inflatables,-Physical therapy, massage or salon services
bungees, climbing walls, dunk tanks)Sale or distribution of herbal, medicinal and/or
-Communicable Diseasesnutritional products
-Cryogenic chambers/therapy-Sexually transmitted diseases
​-​Cyber incident, data compromise and violation of statutes​-​Silica or silica-related dust
​related to personal data-​​Those operations are listed as ineligible
-Cycling (other than stationary)-Total pollution with a building heating, cooling and dehumidifying
-Employment-related practicesequipment exception and hostile fire exception
-Instruction/activity being held on or in open water -Training programs for law enforcement, public safety and
 (e.g.: lakes, ponds, ocean)military personnel
​-​Medical, therapy or health care services​-​Unmanned aircraft
-​​Operation, ownership or management of a fitness,
​dance or sports facility
                   
* 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!