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
engaged 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 information regarding
coverage for a facility,
please call 1-800-955-1991.
IMPORTANT PROGRAM CHANGE: As of 3/1/20, covered operations under this program now includes virtual training/instruction under your
direct supervision or organized by you (you = the named insured on the policy). The intent of this wording is to provide coverage for operations
that involve live online streaming/real-time instruction with your clients/members via the internet. The instructor should be able to communicate
visually and verbally with the participants at all times during instruction. Recorded training sessions of covered sports/activities are also approved
provided that ONLY your registered members/clients have access.
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 online streaming/real-time instruction.
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. The policy is not intended to extend to online streaming/real-time instruction or recorded
videos/sessions that are accessible by the general public/non-members. 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.
|An instructor age 18 or older conducting private or group instruction in the following dance activities is eligible to enroll in this program: |
|-||Folk Dancing ||-||
|-||Hawaiian||-||Tumbling (floor only, no gymnastic apparatus)|
|-||Hip Hop||-||ZUMBA ®|
|Ineligible Operations:|| || |
Certain operations are not eligible for coverage by this program. We reserve 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.|
|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, omission, misstatement or a misleading statement in the discharge of dance activities) that occur as a result of your instruction activities.
|-||Bodily Injury and Property Damage||-||Products-completed Operations|
|-||Personal and Advertising Injury||-||Legal Liability to Participants |
|-||Damage To Premises Rented to You||-||Professional Liability|
|-||Abuse, Molestation, Harassment or Sexual Conduct ||-||Medical Expense (other than participants)|
|Defense Cost Reimbursement (up to $100,000)|
|The following represent only some of the exclusions contained in this policy.|
|-||Abuse, molestation harassment, or sexual conduct||-||Operation, ownership or management of a fitness,|
|-||Amusement devices (e.g. rides, slides, inflatables,||dance or sports facility|
|bungees, climbing walls, dunk tanks)||-||Physicals/stress testing|
|-||Communicable Diseases||-|| Physical therapy, massage or salon services|
|-||Cryogenic chambers/therapy||-||Sale or distribution of herbal, medicinal and/or|
|-||Cycling (other than stationary)||||nutritional products|
|-||Employment-related practices||-||Those operations listed as ineligible|
|-||Instruction/activity held on or in open water||-||Violation of statutes that govern e-mails, faxes, phone calls|
|(e.g.: lakes, ponds, ocean)||or other methods of sending materials or information|
|-||Medical, therapy or health care services|| |
| || |
|* For information regarding coverage for a
dance school facility, visit our program page.|
NOW AVAILABLE - Buy Coverage On-line!