To our customers impacted by recent storms
You need insurance because it protects you from financial loss. What happens if you have a property loss, such as a broken water pipe that ruins your dance floor, or a liability loss, such as when a dancer is injured and sues you for negligence?
If you don't have dance insurance, you have to pay for losses out of your own pocket. Paying to replace a floor is bad enough, but paying for a liability loss is even more expensive. You'd have to pay for a lawyer, and if you lost the case, the damages. Liability cases can cost hundreds of thousands of dollars, so it's crucial to have liability insurance.
Markel offers comprehensive liability and property coverage for dance schools that teach the following:
If your school sponsors dance competitions or your students and instructors participate in them, you should consider adding insurance for sponsored competitions to your liability policy.Excess accident medical
If students are injured at your school or during sponsored activities, excess accident medical insurance will pay their covered medical expenses. You can think of this insurance as a good will gesture--by paying a student's medical bills now, you may be able to avoid a lawsuit later. Note, excess accident medical coverage is sold as a minimum earned premium policy. This means that if you cancel your policy, you will not get any money back.Our coverage will pay up to $10,000 in medical expenses per student, with a $25 per claim deductible.
Crime: Covers employee dishonesty, theft of money and securities, and forgery.
Policy and terms are only briefly outlined. For complete details, refer to the policy.
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