Who needs dance instructors insurance?
Dance instructors who teach students the basics of movement and various styles of dance either privately or in public settings should get professional and general liability insurance. Problems may arise when working with students who do not agree with certain approaches or methodologies; obtaining small business insurance is a great way to protect yourself while continuing to provide beneficial dance instruction services to your students.
Highlight: Policies include annual limits up to $3 million, with options for a worldwide coverage endorsement to cover instruction taking place outside of the United States. (i.e. Dance instruction on a cruise ship).
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What Kind of Liability Insurance is best for you?
The coverage that is best for you depends on the details of your business. Many World Events customers optimize their studio insurance by choosing both professional liability insurance and general liability insurance policies. To assure that you get the best coverage for your business, see the examples below.
Professional Liability Insurance
Sometimes called errors and omissions insurance (E&O insurance), is personal trainer insurance coverage for claims against businesses that provide professional and personal services – for businesses like yours. When is it important to have professional liability insurance for personal trainers? Examples include:
Negligence: After twice weekly workouts for over a year, a client has met their personal training goal to lose ten inches from their waist and incorporate a healthy diet into their lifestyle. The client brings a claim against you alleging that you did not personally train him properly, because he was unable to complete a marathon in which his friends and family had traveled to watch him run. Even if this is a groundless claim, your professional liability insurance will defend and indemnify you, up to your policy limits.
Over Exertion: A personal trainer instructs an older client to perform a specific exercise that requires substantial physical exertion. After completing the circuit that includes this exercise, the client is overcome with dizziness, experiences chest pain, and has to be rushed to the hospital. Even though the client had an existing heart condition, he claims that the trainer’s exercise circuit caused his heart attack, as well as mental anguish, and sues for damages.
You need to know that you can be sued for negligently performing services even if you haven't made a mistake. Professional liability insurance is designed to protect you in these instances.
General Liability Insurance
Sometimes called commercial general liability (CGL) is personal trainer insurance that protects your business from another person or business's claims of bodily injury, associated medical costs and damage to property. Having this kind of coverage is beneficial in several instances:
Bodily injury: While waiting to begin a personal training session, a client accidentally trips over another customer’s gym bag. She falls and injures herself.. While it was a simple accident, she blames the personal trainer for not keeping the area clear and files a lawsuit. Your policy will cover a subsequent covered claim and related medical expenses up to your general liability policy's limits of liability.
Damage to client property: A personal trainer is working with a client who puts their gym bag on the floor. Another customer nearby using a free weight puts it down, and it accidentally rolls onto the gym bag of the client. Because the bag contained cell phones and tablets, the client filed a legal claim for reimbursement. General liability insurance protects against claims for your client’s property damage.
In these scenarios and so many more, a general liability insurance policy will protect you from third-party claims, providing legal representation and advice that you’d likely be lost without.
Summary of Coverage
Commercial General Liability with Broadening Endorsement – coverage which protects the insured against liability claims for bodily injury and property damage arising out of premises, operations, products and completed operations and personal and advertising injury.
Legal Liability to Participants – coverage which offers protection against bodily injury liability claims brought by persons
participating in dance activities under the direction of the insured.
Professional Liability – provides protection against wrongful acts (breach of duty, neglect, error, omission, misstatement or a misleading statement in the discharge of dance activities) that occur under the operations of the insured.
Abuse, Molestation, Harassment, or Sexual Conduct Defense Cost Reimbursement – Although claims arising out of abuse, molestation, harassment or sexual conduct are excluded under this policy, this coverage (subject to the specific terms of this endorsement) reimburses you for up to $100,000 for defense costs resulting from abuse or molestation claims.
Why World Events Specialty?
We understand the importance of building and maintaining personal relationships with clients and learning about their organizations. This is essential in order to develop on ongoing understaning of our clients' needs and requirements.