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 IMPORTANT: In CA and NY, Inland Marine (equipment & contents) coverage is not currently available for purchase through our online process.  If you would like to request a quotation, please complete and submit the Inland Marine Quote Request Form found under Application & Printable documents link above, and we will attempt to provide a proposal, subject to guidelines/availability with one of our carrier partners. 

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, your covered operations consist of 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; and off-site competitions, demonstrations, parades and fundraising activities, directly associated with the above that are under the 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. "Covered Operations" may also include: birthday 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; 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; tournaments or competitions hosted by you under your direct supervision or organized by you, that have been reported to and approved by the Company for which the applicable premium has been paid.

Eligible Operations
-Acro dance-Irish
-Belly dancing-Modern
-Country western-Square
-Folk dancing- Tap
-Hawaiian -Tumbling (floor only, no gymnastics apparatus)
-Hip Hop-
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

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) - not available in all states
-Professional Liability  
-Medical Payments for Participants  Abuse & Molestation and 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  (optional)
-Bodily Injury to Participants Liability
-​​Broadening Endorsement - Identity Theft Exposure, Property
​Damage to Borrowed Equipment, Property Damage to Customers'
​Goods, Medical Personnel
If you are looking for dance instructor coverage, visit our new fitness web site for on-line quoting and purchasing
​Notable Exclusions
​-​Abuse, molestation or exploitation (unless reported to, approved
​-Salon services or indoor tanning

by us, and the 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; Airport;

industry takes place
Amusement devices: The ownership, operation, maintenance or

use of any device or equipment a person rides for enjoyment,
Babysitting and/or childcare services
including, but not limited to: mechanical or non-mechanical ride,
​-Bodily injury to participants while in a hired auto or non-owned
slide, or water slide (including any ski or tow when used in


conjunction with a water slide); inflatable recreational device
​-Cap on losses from certified acts of terrorism

(unless reported to, approved by us); or vertical device or 
​-Commercial general liability standard exclusions

equipment used for climbing, whether permanently affixed or

(CG0001 4/13 edition)

termporarily erected. This exclusion does not apply to video or
Communicable diseases

computer games or any device that is specifically designated
​-Cryogenic chambers/therapy

for the training or instruction of the activity for which you are
​-Cyber incident, data compromise and violation of statutes related
enrolled; Animals; Bungee; Dunk tank; Haunted attraction;
to personal data
Performer (injury or death to any performer or entertainer
Cycling (other than stationary)

during any activity, event or exhibition including but not limited
Employment-related practices
to any stunt, concert, show or theatrical event. This exclusion

does not apply to participants in any activity, event or 
Fungi or bacteria

exhibition that are part of the designated operations for which 
​Gymnastics/tumbling classes/programs (unless reported to,
​you are enrolled)

​approved by us, and appropriate premium paid)
​Instruction/activity being held on or in open water
​Saddle animal

​(e.g.: lakes, ponds, ocean)
​Sports rehabilitation services/therapy
​Martial arts style consisting of: boxing (contact/sparring), 
​Swimming pools (unless reported to, and approved by us, and the

​dim mak, haganah, kali/escrima, mixed martial arts, savate,
​appropriate premium paid)

​sayoc kali, thai boxing/muay thai, training programs for law
​The sale or distribution of medicinal, herbal and/or nutritional

​enforcement, public safety and military personnel, ultimate

​fighting/extreme fighting/extreme/cage fighting and wrestling
​Those operations listed as ineligible
​Massage therapy
​Total pollution with a bilding heating, cooling and dehumidifying
​Medical, therapy or health care services
​equipment exception and hostile fire exception
​Multi-passenger vehicles
​Unmanned aircraft
​Nuclear energy
​Use of projectile weapons including, but not limited to firearms
​Operations related, in whole or in part, to performance
​and tasers, and defense sprays

​as an exotic dancer or any similar occupation in the adult
​Use of sharpened/bladed weapons

​entertainment industry
​Parkour, obstacle course, ninja, free-running, tricking, urban

​gymnastics, extreme tumbling, or any similar type programs

​(unless reported to, approved by us and appropriate premium
Preliminary Underwriting Information Required
- K&K Applications  
-Coverage will be bound for your requested dates upon   
 receipt and approval of your completed enrollment  
 form and payment.