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Dance Schools & Programs
Phone 1-408-286-1111
Fax 1-408-217-2383
Claims 1-800-237-2917
 
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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 location 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​-
​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 gymnastics apparatus)
-Hip Hop-ZUMBA ®
       
Ineligible Operations:    
-Acrobatic & circus skills training
-Night clubs
-Ballroom rental facilities
-Production companies
-Banquet & reception halls
-Professional dance companies
-Cabarets
-Professional touring company
-Dance halls
-Trampoline parks/facilities
-Discotheques
 
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 or 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, Jacuzzis, 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; 
-​Asbestos
Airport; Amusement devices: the ownership, operation, 
-​Babysitting and/or childcare services

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

tow when used in conjunction with a water slide); inflatable
-​Commercial general liability standard exclusions
recreational device (unless reported to, approved by us); 

(CG0001 4/13 edition)
or vertical device or equipment used for climbing, whether
​-
Communicable diseases
permanently affixed or temporarily erected. This exclusion
-​Cryogenic chambers/therapy
does not apply to video or computer games or any device that
​-Cyber incident, data compromise and violation of statutes
is specifically designed for the training or instruction of the 

related to personal data

activity for which you are enrolled; Animals; Bungee; Dunk
​-Cycling (other than stationary)

tank; Haunted attraction; Performer (injury or death to any 
​-Employment-related practices

performer or entertainer during any activity, event or
​-Fireworks

exhibition including but not limited to any stunt, concert, show
​-Fungi or bacteria

or theatrical event. This exclusion does not apply to 
​-Gymnastics/tumbling classes/programs (unless reported to,

participants in any activity, event or exhibition that are part of

approved by us, and appropriate premium paid)
the designated operations for which you are enrolled)
​-Instruction/activity being held on or in open water
-​Rodeo
​(e.g.: lakes, ponds, ocean)
-​
Saddle animal
​-Lead
​-
Snowmobile
​-Martial arts style consisting of: boxing (contact/sparring),
-​​Sports/rehabilitation services/therapy
​dim mak, haganah, kali/escrima, mixed martial arts, savate,
​-​Swimming pools, saunas, steam rooms, jacuzzis, hot tubs,

​sayoc kali, thai boxing/muay thai, training programs for law
​whirlpools or spas (unless reviewed, approved and

​enforcement, public safety and military personnel, ultimate
​approriate premium paid)
​fighting/extreme fighting/extreme/cage fighting and wrestling
-​​The sale or distribution of herbal, medicinal and/or
​-
Massage therapy

​nutritional products
​-
​Medical, therapy or health care services
​-
​Those operations listed as ineligible
-​
​Multi-passenger vehicles
-​​Total pollution with a building heating, cooling & dehumidifying
​-
​Nuclear energy
​equipment exception and hostile fire exception
​-
​Operations related, in whole or in part, to performance
​-
​Unmanned aircraft

​as an exotic dancer or any similar occupation in the adult
-​​Use of projectile weapons including, but not limited to firearms

​entertainment industry
​and tasers, and defense sprays
​-
Parkour, obstacle course, ninja, free-running, tricking, urban
​-
​Use of sharpened/bladed weapons
gymnastics, extreme tumbling, or any similar type programs
(unless reported, 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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