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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
-Ballet-Irish
-Ballroom-Jazz
-Belly dancing-Latin
-Clogging-Modern
-Contemporary-Salsa
-Country western-Scottish
-Cultural/ethnic-Square
-Flamenco-Swing
-Folk dancing-Tango
-Hawaiian-Tap
- 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 LiabilityOptional Coverages
-Bodily Injury and Property Damage-Non-registered Member Activity Coverage
​-​Personal and Advertising Injury-Equipment and Contents
-Products and Completed Operations-Abuse, Molestation or Exploitation
​   -
​Professional Liability
Defense Cost Reimbursement Coverage
   -Medical Payments for Participants-Sexual Abuse or Sexual Molestation Liability
   -Premises Liability
   -Hired Auto and Employers Nonowned Liability
(not available in IL, LA, UT, VT and WI)                        
   -
Bodily Injury to Participants​ ​
​ ​ ​ ​​ ​
    ​ ​
Notable Exclusions
​ ​ ​    ​ ​
-​​Abuse, molestation or exploitation (unless reported to, 
​-Salon services or indoor tanning

approved 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; 
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 
​-
Bodily injury to participants while in a hired auto or non-owned
non-mechanical ride, slide, or water slide (including any ski or
auto

tow when used in conjunction with a water slide); inflatable
-​Cap on losses from certified acts of terrorism
recreational device (unless reported to, approved by us); 
​-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 
​-
Communicable diseases
does not apply to video or computer games or any device that 
​-Cryogenic chambers/therapy
is specifically designated for the training or instruction of the 
​-Cyber incident, data compromise and violation of statutes 

activity for which you are enrolled; Animals; Bungee; Dunk

related to personal data

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

performer or entertainer during any activity, event or 
​-​Employment-related practices

exhivition including but not limited to any stunt, concert, show
​-Fireworks

or theatrical event. This exclusion does not apply to 
​-Fungi or bacteria

participants in any activity, event or exhibition that are part of
​-​Gymnastics classes/programs (unless reported, approved
the designated operations for which you are enrolled)

​and appropriate premium paid)
-​Rodeo
-​​Instruction/activity being held on or in open water
​-Saddle animal

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

dim mak, haganah, kali/escrima, mixed martial arts, savate,​
the 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
​products
​fighting/extreme fighting/extreme/cage fighting and wrestling
​-
​Those operations listed as ineligible
-​Massage therapy
-​​Total pullution with a building heating, cooling and 
-​
​Medical, therapy or health care services
​dehumidifying 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 prem pd)
Preliminary Underwriting Information Required​ ​ ​ ​
​ ​ ​ ​
-Applications  
-Coverage will be bound for your requested dates upon    
 receipt and approval of your completed enrollment   
 form and payment.