| Eligible Operations |
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| A U.S.-based instructor age 18 or older conducting private or group instruction in the following dance activities is eligible to enroll in this program: |
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| - | Acro dance/tumbling | - | Irish |
| - | Ballet | - | Jazz |
| - | Ballroom
| - | Latin |
| - | Belly dancing
| - | Modern |
| - | Clogging
| - | Salsa |
| - | Contemporary
| - | Scottish |
| - | Country Western
| - | Square |
| - | Cultural/ethnic
| - | Swing |
| - | Flamenco
| - |
Tango |
| - | Folk Dancing
| - |
Tap |
| - | Hawaiian | - |
Tumbling (floor only, no gymnastic apparatus) |
| - | Hip Hop | - | ZUMBA
® |
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| Ineligible Operations: | | |
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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):
- Instruction of sports skills
- Instructors under the age of 18
- Instructor's employment as an exempt or a non-exempt employee of a school, university or college |
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| * If your risk doesn't fit the eligibility of this program, visit our
Fitness Instructor or
Sports Instructor Programs. |
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| Liability Coverage |
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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.
Coverage includes incidental virtual training provided by you (the named insured) to your clients. The intention of the
policy is to provide coverage for instruction/training under your direct supervision or organized by you, including material created by you that is
accessible to your clients only (through a private platform such as a password protected website or a closed Facebook group) - Coverage does not
extend to any training material that is accessible to the general public. 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 virtual training. 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. 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.
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General Liability | | |
| - | Bodily Injury and Property Damage | - | Products-completed Operations |
| - | Personal and Advertising Injury | - | Bodily Injury to Participants Liability
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| - | Damage To Premises Rented to You
| - | Professional Liability |
| - | Abuse, Molestation or Exploitation
| - | Medical Expense (other than participants) |
| Defense Cost Reimbursement (up to $100,000) | | |
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Notable Exclusions |
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| The following represent only some of the exclusions contained in this policy. |
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| - | Abuse, molestation or exploitation
| - | Operation, ownership or management of a fitness,
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| - | Amusement devices (e.g. rides, slides, inflatables,
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| dance or sports facility
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| bungees, climbing walls, dunk tanks)
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| Physicals/stress testing
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| - | Communicable Diseases
| - | Physical therapy, massage or salon services
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| - | Cryogenic chambers/therapy
| - | Sale or distribution of herbal, medicinal and/or
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| Cyber incident, data compromise and violation of statutes
| | nutritional products
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| related to personal data
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| Sexually transmitted diseases
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| - | Cycling (other than stationary) | - | Those operations listed as ineligible
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| - | Employment-related practices | -
| Training programs for law enforcement, public safety and
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| - | Instruction/activity being held on or in open water | | military personnel
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| (e.g.: lakes, ponds, ocean) | -
| Unmanned aircraft
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| - | Medical, therapy or health care services | | |
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| * For information regarding coverage for a
dance school facility, visit our program page. |
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