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Sample Claims for Dance Studios, Dance Schools, Fitness Clubs, Yoga Studios, and the Fitness Industry

It is important to have the right type of insurance for your industry.  We sell insurance for dance school, individual trainers, and summer or seasonal academies.  Take a moment to review several of key coverages for which we can obtain quotes.  Coverages and options will vary by policy, so make sure to confirm that you have the coverage that you are seeking. The information below is provided for educational purposes only.

(Disclaimer: Hypothetical Claims situations - These samples are purely hypothetical and there is no guarantee that any coverage will be afforded in a similar event.  Each claim must be reviewed by the appropriate claims department and carrier.)
 

  • Did you know that most dance studio/school policies exclude participant liability or do not cover claims arising from bodily injuries that result from participating in a class or other event related to your instruction. Accident medical policies are available to help protect your clients in the event of a covered claim. Make sure to review all of the exclusions listed on your quote or policy.  Contact us for more information.

 

 

Sample Claim 1

 

Sample Claim 2

Bodily Injury

A visitor comes to watch dance practice and slips on the floor because he was not wearing the appropriate shoes.  He suffers injuries iof $15,000 and is forced to miss work for several months, resulting in $10,000 in lost salary for which the owner of the dance school is held liability.

 

 

Fire/Loss of Income

You receive a phone call awaking you from your sleep. There has been a fire in the studio that you lease and keep your most valuable merchandise. All merchandise is destroyed. Replacing your merchandise will cost $30,000. In addition, you will incur $20,000 in lost income while you are unable to continue operations due to this fire.

 

Sample Claim 3

 

Sample Claim 4

Professional Liability

A parent says that your teachings resulted in her child not being admitted to a art college and sues you for lost earnings potential of the child.  The parents had to hire a new instructor and brought a lawsuit against the school. The legal defense costs exceed $35,000 dollars. 

  Abuse and Molestation

A student attending a dance school brought a lawsuit against the school alleging negligent hiring of an instructor who improperly touched her during a lesson.
Attorneys were hired to defend the school. The case was dismissed after no negligence was found on the part of the school. Defense costs were paid in the amount of $35,000.

 

NO COVERAGE IS BOUND, OFFERED, ISSUED THROUGH THIS ELECTRONIC COMMUNICATION, ALL POLICIES MUST BE UNDERWRITTEN AND APPROVED BY THE CARRIER. DO NOT CANCEL YOUR CURRENT INSURANCE.

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