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Dance Studio Insurance

Setting the barre high on insurance coverage.

Dance studio insurance for your business needs.

Dance studios have clients of all ages bustling about in an active environment. Having the right insurance coverage in place is crucial, and that requires specialized knowledge.

Your business relies on your building to operate.

Your dance studio—the very structure itself—is the lifeblood of your business. Damage to the building could mean a temporary shut down or even permanent closure. Having insurance coverage that keeps this vital fact in mind could be what allows your business to continue to operate.

Helping you protect your business with dance studio insurance.

Dance studios also have to factor in risks other businesses don’t. For example, a dance student could fall and get injured or a parent could make a claim of discrimination or inappropriate behavior against your business. All claims need to be defended, even unfounded ones, and this can be costly.

 

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Understanding the risks unique to dance studios.

Teaching dance is physically demanding and comes with the risk of injury. If one of your instructors is injured on the job, you’ll need to rely on your workers’ compensation coverage. If a flood or fire damages your equipment, you’ll be glad to have business personal property insurance. Working with insurance agents and carriers who understand the intricacies of your industry means you don’t have to settle for one-size-fits-all business insurance.

Additional coverage options to consider.

But even specialized businesses like dance studios need the basics, so you’ll want to explore general liability, cyber liability, and employment practice liability insurance, too.

To discuss how we can help your dance studio obtain the coverage it needs, contact us today.

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As an independent agency, we are here to help you find the right Dance Studio Insurance coverage.

Dance Studio Insurance Quote Request

As an independent agency, we are here to help you find the right coverage.

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Workers' Compensation and State Disability

Risk Factor

If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place. This can be even more of a risk when spotting children, moving equipment, or demonstrating a movement.

Solution

State disability and workers’ compensation protects your employees should a job-related injury or sickness occur during the course of employment. This coverage is required by law, so be sure that you have it.

Employee Dishonesty

Risk Factor

Given the potentially high value of the vehicles you sell and the amount of financial information you collect, your business is at risk for theft. What if one of your trusted employees is found guilty of doing something dishonest as it relates to his or her work with you?

Solution

Crime coverage can be obtained in your commercial property insurance, but coverage is very limited. Consider obtaining a standalone crime coverage policy that includes employee dishonesty coverage.

Cyber Liability

Risk Factor
Just about all businesses rely on technology in some way; it’s increasingly used to store sensitive information, such as credit cards, passwords, and social security numbers. However, you’re at risk if this information is lost, stolen, or compromised. In fact, you may even be legally obligated to alert those impacted by the breach and possibly pay for any financial loss incurred.
Solution
Experiencing a data breach is often not a question of if but when. Securing a cyber liability policy can offer coverage for expenses associated with compliance regarding data breach notification laws, securing legal counsel to advise on incident response, credit monitoring services, and paying for regulatory defense, as well as penalties arising from privacy law violations.

Professional Liability

Risk Factor

All child care centers and schools are at risk for professional liability claims to be brought against them for negligence.

Solution

Professional liability protects your teachers and child care employees. If your staff is sued due to negligence in relation to a child’s safety or for making an error in judgement, your center can also be sued.

Business Personal Property

Risk Factor

Fire, weather, burst pipes, and other losses are frequent for child care centers given the large amount of physical space required to operate. These losses can cause significant damage to the school’s business personal property.

Solution

Business personal property coverage allows the center to replace property that has been damaged or destroyed by a covered cause of a loss. For a child care center, this may include property like chairs, tables, books, toys, materials, and supplies.

Student Accident

Risk Factor

Everyone knows that children can be accident-prone. Often they trip and fall, collide with one another, or even knock out a tooth or break a bone, so it is important to obtain a student accident policy.

Solution

A student accident policy can cover children’s medical bills if they are injured at the center or on a sponsored field trip or activity. There are two options. Full excess reimburses secondary to the child’s health insurance plan and primary reimburses on a primary basis, regardless of the child’s current health insurance plan.

General Liability

Risk Factor

Businesses are susceptible to many risks, such as claims due to bodily injury, property damage, personal injury, and more.

Solution

General liability insurance is an absolute necessity for any business. It provides broad coverage when you are deemed responsible and liable, and will also pay to defend any covered lawsuit or action regardless of its merit.

Employment Practices Liability Insurance (EPLI)

Risk Factor

On average, it’s estimated that three out of five businesses will be sued by their employees. While there is nothing you can do to prevent someone from filing a lawsuit, there is something you can do to limit the costs of defending a legal claim.

Solution

Obtain employment practices liability insurance to protect your business and its directors, officers, and employees from alleged employment-related acts such as wrongful termination, failure to promote, discrimination, and sexual harassment.

Umbrella / Excess Liability Coverage

Risk Factor
You invite guests over for a pool party and one of your guests dives into the shallow end of the pool and is permanently injured. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries. Do you have enough money in savings to cover your legal responsibilities as well as the legal defense costs?
Solution
An umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current auto, boat, or homeowners policies-providing financial value and security. Excess liability insurance is available either by an endorsement to your homeowners policy or available as separate coverage.

Hired and Non-Owned Auto Liability

Risk Factor

If you or your staff drive their own vehicle on business time or you rent vehicles in the business name to travel to meetings, conferences, competitions, or elsewhere, you face additional exposure and risk.

Solution

Hired and non-owned auto liability protects your staff if they are driving their own vehicle to run errands. Your studio can be held liable for injuries or property damage if a driver is involved in an accident. The hired liability portion covers rented vehicles when listed in the business name for travel use.