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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".  Coverage 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.


Eligible Operations
​-​Acro dance
- 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 Operations:    
-Acrobatic & circus skills training-Night clubs
-Ballroom rental facilties-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)
-Professional Liability
-Medical Payments for Participants (excess)
Abuse & Molestation and Exploitation Defense Cost 
-Premises LiabilityReimbursement (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
Notable Exclusions
​ ​ ​ ​   
​-​Abuse, molestation or exploitation
​-Salon services or indoor tanning
​-Any adult-themed parties/meetings/trips, including but not
​-Saunas, steam rooms, Jacuzzi, hot tubs, whirlpools or spas

limited to, parties/meetings/trips during which demonstration
​-Sexually transmitted diseases

of products and/or services used in the adult entertainment
​-Silica or silica-related dust
industry takes place
Specified recreational activities - Aircraft/hot air balloon; Airport;
Amusement devices: the ownership, operation, maintenance or
-​Babysitting and/or childcare services

use of any device or equipment a person rides for enjoyment,
-​Bodily injury to participants while in a hired auto or non-owned
including, but not limited to: mechanical or non-mechanical ride,
slide or water slide (including any ski or tow when used in 
Cap on losses from certified acts of terrorism

conjunction with a water slide); inflatable recreational device;
Commercial general liability standard exclusions
or vertical device or equipment used for climbing, whether 
(CG0001 4/13 edition)
permanently affixed or temporarily erected. This exclusion does
Communicable diseases
not apply to video or computer games or any device that is 
​-Cryogenic chambers/therapy
specifically designed for training or instruction of the activity for
​-Cyber incident, data compromise and violation of statutes related
which you are enrolled; Animals; bungee; Dunk tank; Haunted

to personal data

attraction; Performer (injury or death to any performer or
​-Cycling (other than stationary)

entertainer during any activity, event or exhibition including but
​-Employment-related practices

not limited 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 classes/programs (unless reported, approved

you are enrolled)

​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, approved by us and 

​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 herbal, medicinal and/or
​enforcement, public safety and military personnel, ultimate

​nutritional products
​fighting/extreme fighting/extreme/cage fighting and wrestling
Those operations listed as ineligible
Massage therapy
​Total pollution with a building 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 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 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 
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