Here at InsuranceHub, we supply affordable:
- Dance including ballet, ballroom, hip-hop, jazz, and modern dance.
- Cheer leading
You have many spent years of schooling and in the trenches to become a dance studio owner and you are rightly concerned about protecting yourself from liability. After all, your clients rely on your advice. That is why dance studios can be sued for fraud and negligence in performance of duties.
Types of exposure that dance schools need protection from:
Property exposure: Your biggest concerns are due to equipment, machinery, and electrical wiring. Make sure everything is maintained and meets current codes.
The chemicals used to maintain the hardwood floors that your students dance on are probably flammable. Keep these closed tightly, locked up and secured to prevent fire or explosion risks.
Costumes and backdrop curtains can easily catch fire. Be sure to keep fire extinguishers nearby.
Crime exposures: Your biggest concerns are from dishonest employees. Wisdom dictates that you do background checks on all employees that handle money and credit card payments. Audit the books each year.
Inland marine exposure:
- Accounts receivable for tuition payments
- Audio-visual equipment that may be taken off site for recitals and competitions.
- Computers used in the office and for choreographing
- Valuable papers and records include your student records.
- Theatrical property floater for backdrops, costumes, and other items used when the students perform off-site.
Premises liability exposures: This is probably your biggest concern.
- Make sure that you have sufficient adult supervision for the number of children you have.
- Regular hardwood floor maintenance can prevent slips and falls.
- Teach your staff the importance of good housekeeping including the immediate clean up of all spills and leaks.
- Make sure all exits are clear of obstructions and clearly marked.
- Make sure emergency lighting is working.
- Parking lots and sidewalks need to be repaired.
- Remove ice and snow as soon as possible.
- Evacuation drills should be held on a regular basis.
Personal and advertising injury exposures include:
- wrongful expulsion
- invasion of privacy
- unauthorized or intrusive searches
- failure to prevent intimidation
- hazing or bullying by instructors or other students
- false arrest or detention
- copyright or patent infringement.
Protect your studio by putting down procedures in writing to prevent each of these.
Abuse and molestation exposure: Sadly this is a major concern today. Parents entrust their children and teens to your protection. Be sure to do background checks on all employees. Closely monitor and supervise them. Be sure to report all allegations of abuse to the proper authorities.
Automobile liability: Does your staff use company vehicles to run errands? Be sure that all drivers have up to date valid driver's licenses and clean MVR's.
Workers compensation exposures: Teachers working with students can easily receive injuries from lifting, hernia, back sprains, and strains. Unauthorized visitors can pose a threat to your employees and your students.
Here is the minimum recommended dancing school insurance coverage:
- Business Personal Property
- Employee Dishonesty
- Money and Securities
- Accounts Receivable
- Commercial Articles Floater
- Valuable Papers and Records
- General Liability
- Employee Benefits
- Hired and Nonownership Auto
- Workers Compensation
Other dancing studio insurance coverages to consider:
- Business Income
- Computer Fraud
- Fine Arts
- Mobile Equipment
- Theatrical Property Floater
- Cyber liability
- Employment-related Practices
- Directors and Officers Liability
- Business Auto Liability and Physical Damage
- Stop Gap Liability