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Dance Schools & Programs


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
-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 (excess)
  Abuse, Molestation or Exploitation Defense Cost
-Premises Liability  Reimbursement (optional)
-Hired Auto and Employers Nonownership Liability 
 (not available in IL, LA, UT, VT and WI)  Sexual Abuse & Sexual Molestation Liability (optional)
-Bodily Injury to Participants Liability

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
​-Parkour, obstacle course, ninja, free-running, tricking, urban
​Any adult-themed parties/meetings/trips, including but not

gymnastics, extreme tumbling, or any similar type programs

​limited to, parties/meetings, trips during which demonstration

(unless reported to,approved by us and appropriate premium paid)

​of products and/or services used in the adult entertainment
​Salon services or indoor tanning

​industry takes place
Saunas, steam rooms, Jacuzzi, hot tubs, whirlpools or spas
​Sexually transmitted diseases
​-​Babysitting and/or childcare services​-
Silica or silica-related dust
​-​Cap on losses from certified acts of terrorism​-Specified recreational activities - Aircraft/hot air baloon; Airport;
​Communicable Diseases
Amusement devices: The ownership, operation, maintenance or
​Cryogenic chambers/therapy
use of any device or equipment a person rides for enjoyment,
​Cyber incident, data compromise and violation of statutes related

including, but not limited to: mechanical or non-mechanical ride,
​to personal data

slide, or water slide (including any ski or tow when used in 
​Cycling (other than stationary)

conjunction with a water slide); inflatable recreational device 
​Employment-related practices

(unless reported to, approved by us). This exclusion does not
​Fungi or bacteria
​apply to video or computer games or any device that is specifically
​Gymnastics/tumbling classes/programs (unless reported to,
​designated for the training or instsruction of the activity for which 

​approved by us, and appropriate premium paid)
​you are enrolled; Animals; Bungee; Dunk tank; Haunted 
​-​Instruction/activity being held on or in open water

attraction; Performer (injury or death to any performer or

​(e.g.: lakes, ponds, ocean)
​entertainer during any activity, event or exhibition including but
not limited to any stunt, concert, show or theatrical event. This
​Martial arts style consisting of: boxing (contact/sparring),

exclusion does not apply to participants in any activity, event or
​dim mak, haganah, kali/escrima, mixed martial arts, savate,

exhibition that are part of the designated operations for which

​sayoc kali, thai boxing/muay thai, training programs for law

you are enrolled

​enforcement, public safety and military personnel, ultimate

​fighting/extreme fighting/extreme/cage fighting and wrestling
Saddle animal
Massage therapy
Medical, therapy or health care services
Sports rehabilitation services/therapy
Multi-passenger vehicles
Swimming pools (unless reported to, and approved by us, and the
Nuclear energy

appropriate premium paid)
Operations related, in whole or in part, to performance
The sale or distribution of medicinal, herbal and/or nutritional

​as an exotic dancer or any similar occupation in the adult

​entertainment industry
​Those operations listed as ineligible

Total pollution with a building heating, cooling and dehumidifying

equipment exception and hostile fire exception

​Transportation of participants

​Unmanned aircraft

Use of projectile weapons including, but not limited to firearms

​and tasers, and defense sprays

​Use of sharpened/bladed weapons

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.