Young children and teenagers across the United States share the dream of becoming an accomplished dancer. Many hope to develop their skills by attending a dance studio to receive professional instruction.
If you own a dance studio or serve as an instructor, you play a prominent role in shaping the futures of your students. Due to the nature of your occupation, you also face certain liability risks that could place your finances at risk.
Liability insurance is essential for protecting your assets when an accident or incident occurs. But many insurance carriers do not offer this type of coverage due to the relatively high exposure it presents. That’s where XINSURANCE can step in and fill the void.
At XINSURANCE, we specialize in offering liability insurance solutions to individuals and businesses that can’t obtain them elsewhere. We’ll work with you to develop a customized plan that meets your unique requirements. We help to find policies for the most specialty commercial liability risks, including applicants who have been rejected, canceled, or non-renewed by other providers. You’ll have true peace of mind knowing that you can protect yourself and your assets whenever an incident occurs.
The backbone of any comprehensive dance studio plan is commercial general liability insurance. CGL protects against claims by third parties (dance students and their families) for injuries and property damage they incur while attending your studio. Should an injured party decide to sue you, your insurance will pay for any awarded judgment or settlement amounts up to the limits of the policy. Other CGL coverage areas include legal defense costs, medical bills, and advertising injury.
Depending on your situation, you may also elect to carry more specialized types of liability insurance:
We offer liability insurance in amounts of up to $10 million, or as much as $20 million via our reinsurance partners.
Your dance studio policy should provide coverage in these situations, assuming you carry the applicable coverages:
Our expertise ensures we can help you determine the right liability insurance you need for your dance studio. Our flexible underwriting process means you can get custom limits, deductibles and premiums to create an “all-in-one” plan that makes sense for your business. You’ll also have access to our risk management services that will help you take appropriate steps to reduce your exposure.
If you need to file a claim, our experienced claims representatives are available around the clock to assist you. Whether it’s a new or old claim, we’ll deliver the exceptional service you deserve throughout the process. When you work with XINSURANCE, you’ll receive service that leaves you with true peace of mind at every step.
To request a no-obligation quote, get started by filling out our online application. Our underwriters will review your app and contact you by phone to discuss the risk in further detail. We’ll then provide a quote for your approval. Once you agree to the terms and submit the first premium, your new policy will be issued usually within 24 hours.
Contact us to get your dance studio insurance quote today. If you already have a policy, feel free to send it to us for a comprehensive coverage review.
With XINSURANCE, you can purchase customized liability insurance coverage that will protect you in all the areas that your homeowners, employers, and business insurance policies won’t or can’t. Our underwriting team brings you over 40 years of experience, along with the ability to offer customized limits, coverage, deductibles, and premiums to create the perfect plan for your personal protection.
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