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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)
-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 (unless reported to, approved
​-​Salon services or indoor tanning

​by us, and the appropriate premium paid)
Saunas, steam rooms, Jacuzzi, hot tubs, whirlpools or spas
​Any adult-themed parties/meetings/trips, including but not
​Sexually transmitted diseases

​limited to, parties/meetings, trips during which demonstration
Silica or silica-related dust

​of products and/or services used in the adult entertainment
Specified recreational activities - Aircraft/hot air balloon; Airport;

​industry takes place

Amusement devices: The ownership, operation, maintenance or
use of any device or equipment a person rides for enjoyment,
​-​Babysitting and/or childcare services
including, but not limited to: mechanical or non-mechanical ride,
​Bodily injury to participants while in a hired auto or non-owned
slide, or water slide (including any ski or tow when used in 

conjunction with a water slide); inflatable recreational device 
​-​Cap on losses from certified acts of terrorism​-(unless reported to, approved by us); or vertical device or 
​Commercial general liability standard exclusions (CG0001 4/13 ed)
​equipment used for climbing, whether permanently affixed or 
​Communicable Diseases
temporarily erected.  This exclusion does not apply to video
​Cryogenic chambers/therapy
or computer games or any device that is specifically designated
​Cyber incident, data compromise and violation of statutes related

for the training or instruction of the activity for which 
​to personal data

​you are enrolled; Animals; Bungee; Dunk tank; Haunted 
​Cycling (other than stationary)

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

​entertainer during any activity, event or exhibition including but
not limited to any stunt, concert, show or theatrical event. This
​Fungi or bacteria
exclusion does not apply to participants in any activity, event or
​Gymnastics/tumbling classes/programs (unless reported to,
exhibition that are part of the designated operations for which

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

​(e.g.: lakes, ponds, ocean)
Saddle animal
​Martial arts style consisting of: boxing (contact/sparring),
Sports rehabilitation services/therapy
​dim mak, haganah, kali/escrima, mixed martial arts, savate,
Swimming pools (unless reported to, and approved by us, and the

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

appropriate premium paid)

​enforcement, public safety and military personnel, ultimate
The sale or distribution of medicinal, herbal and/or nutritional

​fighting/extreme fighting/extreme/cage fighting and wrestling

Massage therapy
​Those operations listed as ineligible
Medical, therapy or health care services
Total pollution with a building heating, cooling and dehumidifying
Multi-passenger vehicles

equipment exception and hostile fire exception
Nuclear energy
​Unmanned aircraft
Operations related, in whole or in part, to performance
Use of projectile weapons including, but not limited to firearms

​as an exotic dancer or any similar occupation in the adult
​and tasers, and defense sprays

​entertainment industry
​Use of sharpened/bladed weapons
Parkour, obstacle course, ninja, free-running, tricking, urban

gymnastics, extreme tumbling, or any similar type programs

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

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.