Dance instructors are essentially the last people that you will think about when you are talking about insurance. However, it is a well known fact that there are a lot of companies that are offering Dance Instructor Insurance. It is a very specific niche and you need to go out and learn a lot of different things that will affect what plan you will want to get.
So if you want to know more about dance instructor insurance, read about the frequently asked questions below:
Why apply for an insurance if you are a dance instructor?
One of the most frequently asked questions about such an insurance is what is the reason why you need this type of insurance. Well, the main reason is to ensure the safety of the people that you teach as well as ensure the safety of the company that you work or own. Having an insurance available means that you will not shoulder any claims of injury or death from any of your clients – all liabilities will be paid for by the insurance company that you employ. There are different types of insurance coverage but one thing that you must remember all the time is that if you are working in an establishment, the company that you are working for is required to give you employer’s liability insurance. Conversely, when you are an employer, you need to give your employee dance instructors the insurance that they deserve.
What are the different types of insurance for dance instructors?
There are a lot of insurance levels covered by dance instructor insurance. There are a lot of types that you can get and you need to have an idea of the different things that you can get when you have dance instructor insurance.
Public Liability Insurance – This is the most common type of insurance that you can get as a dance instructor. This type of insurance makes sure that any claims will be paid for anyone that is injured or killed while doing your routine, practicing in your watch or performing during a sponsored event. Also, if you instructed your students to do a certain routine or exercise and it caused harm to them; this will be covered by the insurance as well.
Employers Liability Insurance – As discussed above this is a required insurance for employers to give to their employees. This means that the company will shoulder the payments to the insurance company.
Professional Indemnity Insurance – Such kind of insurance is important because this covers the things that you neglected as well as the wrong decisions that you made. What ever you do, all things with regards to dance instruction is covered by the insurance company.
Insurance For Professionals – This type of insurance covers all and you can add any different type of stipulations that you want. Just talk to your insurance company and have them agree with your terms.
These are some of the things that you need to know when you want to know the different things about Dance Instructor Insurance.