The art of dance begins at the dance studio. It is where aspiring dancers first put on their shoes and learn the basics. The hard work and dedication it takes to be a dancer are learned and perfected at the studio. Since dance schools hold such an important place in the world of arts and entertainment, it is important that dance studio owners keep their businesses protected so they can remain intact and continue to train students in the art. One of the most important ways for studio owners to stay protected is by investing in adequate dance liability insurance for their business. Following are some important reasons why dance studios should carry insurance..at the studio.
The Basics of Dance Studio Insurance Coverage
Dance studio insurance covers a breadth of issues. A dance studio owner and instructor who insures the business can be assured the coverage will extend to meet all of the needs that have the potential to arise at a dance studio. Dance studio insurance will generally cover the studio, the instructors, the owner, the directors, and any employees of the studio, effectively becoming both dance class insurance and dance teacher insurance. Operating a dance studio extends beyond the instruction going on in the classroom. Studio owners need to be concerned about day-to-day operations as well as the property on which the studio stands. Dance studio insurance will cover any instances of property damage as well as injuries that occur on the premises.
Optional coverage choices
Many dance studios are uber-inclusive and offer instruction in disciplines beyond the usual ballet, tap and jazz genres. Frequently, studios offer classes in gymnastics, acrobatics and other disciplines that require additional equipment. Dance studio owners can add coverage to their policies that include work with this type of equipment. Other options to include on a dance studio policy include sexual molestation and abuse, non-owned or hired vehicle liability, increased aggregates, and increased medical expenses. So, it is possible for a studio owner to have complete coverage to protect against any possible calamity that might befall the dance school.uber-inclusive and offer instruction in disciplines beyond the usual ballet, tap and jazz genres. Frequently, studios offer classes in gymnastics, acrobatics and other disciplines that require additional equipment. Dance studio owners can add coverage to their policies that include work with this type of equipment. Other options to include on a dance studio policy include sexual molestation and abuse, non-owned or hired vehicle liability, increased aggregates, and increased medical expenses. So, it is possible for a studio owner to have complete coverage to protect against any possible calamity that might befall the dance school.uber-inclusive and offer instruction in disciplines beyond the usual ballet, tap and jazz genres. Frequently, studios offer classes in gymnastics, acrobatics and other disciplines that require additional equipment. Dance studio owners can add coverage to their policies that include work with this type of equipment. Other options to include on a dance studio policy include sexual molestation and abuse, non-owned or hired vehicle liability, increased aggregates, and increased medical expenses. So, it is possible for a studio owner to have complete coverage to protect against any possible calamity that might befall the dance school.uber-inclusive and offer instruction in disciplines beyond the usual ballet, tap and jazz genres. Frequently, studios offer classes in gymnastics, acrobatics and other disciplines that require additional equipment. Dance studio owners can add coverage to their policies that include work with this type of equipment. Other options to include on a dance studio policy include sexual molestation and abuse, non-owned or hired vehicle liability, increased aggregates, and increased medical expenses. So, it is possible for a studio owner to have complete coverage to protect against any possible calamity that might befall the dance school.on a dance studio policy include sexual molestation and abuse, non-owned or hired vehicle liability, increased aggregates, and increased medical expenses. So, it is possible for a studio owner to have complete coverage to protect against any possible calamity that might befall the dance school.
Students have accidents
It takes years of experience and lots of practice to become a great dancer. Dance studios are designed to provide students with the time, technique, and skills to get to the highest level. Along the road to becoming the next Maria Tallchief or Mikhail Baryshnikov, students will certainly stumble along the way. Sometimes the stumbles involve painful accidents such as sprained ankles, twisted knees, or worse. If a dance studio does not have appropriate coverage, the parent of a young student can easily sue the studio, causing the school to go bankrupt in the process. However, a studio owner who has wisely invested in insurance for dance classes can rest assured that the costs involving a lawsuit by an injured student will be covered, and the business can continue to thrive. Insurance will also cover any medical costs involved with treating a student who is injured during a class or performance even if a lawsuit is not involved.
Independent contractors are covered
A major part of teaching the art of dance is exposing students to different styles and teaching methods. Therefore, it is common for dance studios to invite other dance instructors in on an independent contractor basis. Ideally, the dance studio needs to be financially covered if an incident arises when a guest instructor is teaching a class. Most dance studio insurance policies offer an option for covering independent contractors. This type of coverage is ideal because guest instructors will often teach new techniques or styles that the students are not accustomed to and can the present potential for injury. This additional coverage can act as a safety net in the event that anything goes wrong while the guest instructor is teaching a class.
Public liability insurance is important for a business owner
Dance studio insurance is a type of public liability insurance since, by its nature, a dance studio deals with the public on a daily basis. Any business that deals so closely with the public should be well covered by public liability insurance. Responsible business owners know how important it is for their business to be protected. Public liability insurance provides financial support in the event of an accident or lawsuit. Without this type of coverage, a dance studio could easily be put out of business if an accident or other calamity were to occur. Since dance instruction presents many opportunities for mishaps, public liability insurance is a must for any studio owner who wants to remain in business.deals with the public on a daily basis. Any business that deals so closely with the public should be well covered by public liability insurance. Responsible business owners know how important it is for their business to be protected. Public liability insurance provides financial support in the event of an accident or lawsuit. Without this type of coverage, a dance studio could easily be put out of business if an accident or other calamity were to occur. Since dance instruction presents many opportunities for mishaps, public liability insurance is a must for any studio owner who wants to remain in business.deals with the public on a daily basis. Any business that deals so closely with the public should be well covered by public liability insurance. Responsible business owners know how important it is for their business to be protected. Public liability insurance provides financial support in the event of an accident or lawsuit. Without this type of coverage, a dance studio could easily be put out of business if an accident or other calamity were to occur. Since dance instruction presents many opportunities for mishaps, public liability insurance is a must for any studio owner who wants to remain in business.deals with the public on a daily basis. Any business that deals so closely with the public should be well covered by public liability insurance. Responsible business owners know how important it is for their business to be protected. Public liability insurance provides financial support in the event of an accident or lawsuit. Without this type of coverage, a dance studio could easily be put out of business if an accident or other calamity were to occur. Since dance instruction presents many opportunities for mishaps, public liability insurance is a must for any studio owner who wants to remain in business.
Having a dance insurance policy can easily be the defining factor in a studio owner remaining open or having to shut the doors in the event an accident occurs on the property or in class. No dance studio owner and teacher who has dedicated considerable time and effort to open a studio should have to be faced with such a dilemma. If you are a dance studio owner and have questions about your insurance coverage, or are looking for a new insurance policy, contact Marine Agency. We offer customizable, comprehensive coverage at affordable rates. Let us put our decades of insurance experience to work for you with a quote today.
Interested in obtaining insurance for dance groups for your business? Give us a call at 800-763-4775 or contact one of our friendly and knowledgeable staff by visiting our website today.
