300 Spindrift Drive
Amherst, NY 14221
(800) 728-6362
(716) 633-3400

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Dance Studio Insurance FAQs

What exactly is covered under the policy?
The Liability coverage is designed to protect you against incidents in which you may be legally liable to a third party for their injury or property damage. If you are sued, the protection under this policy will pay for the cost to defend you and your business. Defense Costs are covered in addition to the limit purchased. This protection is essential for every dance business and will help to give you peace of mind.

Does this policy cover me at recitals?
Yes. This policy will follow you off the dance studio premises.

Will I have coverage for the mirrors?
The policy considers the mirrors as Business Personal Property and will cover the mirrors subject to the policy deductible if property coverage is purchased.

Does the policy cover my employees?
The policy protects the business against negligent acts of your employees. This coverage does NOT satisfy your statutory requirement to provide Worker's Compensation or Disability.

What if there is an accusation of Student Abuse or Molestation?
This coverage is an option. In the event of an allegation, defense costs are covered up to the limit purchased.

Are the Students covered if they have an accident?
Accident Medical insurance will pay covered medical expenses that result from a student's accident at your studio or during sponsored activities. Use of this coverage is a gesture of goodwill and may help to prevent disputes over who is responsible for medical expenses and therefore avoiding a lawsuit.

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