Dance Instructor Insurance
Customized liability coverage — the perfect partner
Whether you’re teaching your students how to foxtrot, tango or break, liability insurance is essential to ensuring you’ll still be leading when the unforeseen hits.
Designed specifically for Canadian dance instructors, your coverage will protect you against the financial impact of claims arising from accidental injuries or property damage to a third party as a result of alleged acts of negligence and/or omission.
There are two levels of coverage:
- Basic — For instructors who are strictly freelance or contract workers at one or more dance studios (meaning you are not considered an employee of any one studio)
- Comprehensive — For instructors who are the sole proprietor of their business (meaning you arrange and teach your own classes and control all of the proceeds)
Email: [email protected]
Phone: 416-597-4021
Coverage Details
To be eligible for coverage under our dance instructor program, you must be at least 18 years of age and a resident of Canada.
For the basic option, the insured instructor must:
- Work exclusively on a freelance or contractual basis with one or several dance studios
- Not be considered an “employee” of any given studio
- Not arrange or conduct classes independently of a dance studio (otherwise, choose the comprehensive option)
- Not operate a “dance studio” (i.e., own and/or permanently lease a studio location)
For the comprehensive option, the insured instructor must:
- Operate as a sole proprietor, arranging and conducting their own classes and retaining all profits derived from such endeavors (may also work on a freelance or contractual basis for one or several dance studios)
- Not operate a “dance studio” (i.e., own and/or permanently lease a studio location)
Here are some other important things to know about our liability coverage for dance instructors:
- Coverage under this program commences on the day the insurance is purchased and extends for a term of 365 days.
- Coverage applies only to Canada.
- Coverage DOES NOT extend to the following in any capacity:
- Gymnastics and trampoline activities
- Cheerleading activities involving lifts, tosses, tumbling, stunting or pyramids
- Any competition hosted or operated directly by the insured
- Coverage extends to the individual only, and only for the activity declared in the application (basic or comprehensive option). Should you have other business that requires separate insurance coverage, please contact us.
- Coverage contains an “abuse, molestation and harassment exclusion.” Click here to view the exclusion.
The policy purchased through this program is for LIABILITY COVERAGE ONLY. That means it protects the insured when alleged negligent acts and/or omissions result in bodily injury and/or property damage to a third party. The policy DOES NOT provide coverage for an injury to the insured person themselves or for property/equipment owned by the insured, errors and omissions causing financial damage to a third party, and cyber liability. Contact HUB for more information about, or to purchase, these types of coverage.
We will not pay for any loss or expense caused directly or indirectly by or resulting from the Novel Coronavirus (2019-nCoV).
It is understood and agreed that this policy does not cover any loss caused by, contributed to by or attributable to, directly or indirectly, a Communicable Disease or fear or threat of a Communicable Disease.
Download the Communicable Disease Exclusion
The Aviva Insurance Company of Canada, through K&K Insurance Co., is the program insurer. K&K focuses exclusively on risks found in the sports, leisure and entertainment industries. For more information about K&K, visit their website.
Please review the exclusions below and those contained in the policy wording received at the time of purchase. If you require an explanation or have any coverage-related questions, please contact us.
| Up to $5,000,000 | Commercial general liability |
| $1000 BI/PD Deductible | Covers third party bodily injury and property damage |
| Includes: | Injury to participants Personal injury — Up to $5,000,000 Advertising injury — Up to $5,000,000 Tenants legal liability — $250,000 Products/completed operations Cross liability/severability of insureds Incidental medical malpractice Occurrence property damage Personal injury Blanket contractual Broad form property damage Medical payments — $2,500 per person |
| Excludes: | Competitions hosted or operated directly by the named insured Gymnastics, trampoline and cheerleading activities Aerial Skills and Hoops U.S. operations Abuse, harassment and molestation Total asbestos exclusion Data exclusion Terrorism exclusion Limited fungi and fungal derivatives coverage Communicable Disease Coverage Trampoline |
The premium under this program is fully retained upon acceptance of payment. That means the premium will not be refunded if the policy is cancelled by the insured prior to the policy expiry date.
Basic option: For freelance dance class instructors
(Instructors sub-contracted by dance studios — not those offering or arranging independent lessons)
| $2MM | $5MM | |
| Premium | $115.00 | $290.00 |
| Administrative handling fee | $55.00 | $55.00 |
| Total (Applicable taxes not included) | $170.00 | $345.00 |
Comprehensive option: For sole proprietor dance class instructors
(Instructors operating as sole proprietors — arranging and conducting dance classes and retaining all profits derived from such)
$2MM Coverage
| Maximum students/class | 0-10 | 11-25 | 26-50 | 50+ |
| Premium | $173.00 | $205.00 | $315.00 | $400.00 |
| Administrative handling fee | $30.00 | $55.00 | $105.00 | $130.00 |
| Total (Applicable taxes not included) | $203.00 | $260.00 | $420.00 | $530.00 |
$5MM Coverage
| Maximum students/class | 0-10 | 11-25 | 26-50 | 50+ |
| Premium | $348.00 | $380.00 | $490.00 | $575.00 |
| Administrative handling fee | $30.00 | $55.00 | $105.00 | $130.00 |
| Total (Applicable taxes not included) | $378.00 | $435.00 | $595.00 | $705.00 |
Tap into coverage that fits
When it comes to insurance, one size does not fit all. That’s why we offer coverage scaled to the size of your classes. From just a few people to more than 50, we have an insurance option for you. Get the right coverage today.