Dance Studio Insurance

The Accident Medical Plans for Dance Studios

Pays the medical bills of an injured participant or staff member.

$100,000.00 Benefit
(Pays the medical bills of an injured student or staff member)

Medical Expense Benefit If any youth or adult student or staff member incurs eligible expenses as the direct result of a covered injury, independent of all other causes, the Company will pay the charges incurred for such expense within 1 year beginning on the date of accident.

Payment will be made for eligible expenses in excess of other applicable insurance, not to exceed the Maximum Medical Expense Benefit of $100,000.00, subject to a deductible of $100.00. The first such expense must be incurred within 60 days after the date of the accident.

"Eligible expenses" means charges for the following necessary treatment and service, not to exceed the usual and customary charges in the area where provided.

Medical and surgical care by a physician
Radiology (X-rays)
Prescription drugs and medicines
Dental treatment of sound natural teeth
Hospital care and service in semi-private accommodations or as an outpatient
Ambulance service from the scene of the accident to the nearest hospital
Orthopedic appliances necessary to promote healing
Physiotherapy

Accidental Death and Dismemberment Benefit
($50,000.00 Benefit)
If a covered injury results in any of the losses specified below within 1 year (not applicable in Pennsylvania) after the date of the accident, the Company will pay the applicable amount:

Full Principal Sum for loss of life.
Full Principal Sum for double dismemberment.
Full Principal Sum for loss of sight of both eyes.
50% of the Principal Sum for loss of one hand, one foot, or sight of one eye.
25% of the Principal Sum for loss of index finger and thumb of same hand.

Exclusions
This plan does not cover any loss to or resulting from:

Intentional self-inflicted injury, suicide while sane or insane or any attempt there at (in Missouri this applies only while sane)
Voluntary self-administration of any drug or chemical substance not prescribed by, and taken according to the directions of the Insured Person's Physician
Participation in a riot or insurrection
An act of declared or undeclared war
Active duty service in any Armed Forces of any country, and, in such event, the prorated unearned premium will be returned upon proof of service. This does not include Reserve or National Guard active duty or training unless it extends beyond 31 days
Parachuting, except for self preservation
Bungee jumping, flight in an ultra light aircraft, hang gliding
Sickness, disease, bodily or mental infirmity or medical or surgical treatment there of, bacterial infection, regardless of how contracted. This does not exclude bacterial infection that is the natural and foreseeable result of an Injury or accidental food poisoning
Services or treatment rendered by a Physician, Nurse, or any other person who is:

Flight in an aircraft, except as a fare-paying passenger
Dental treatment, except as otherwise provided, and only when Injury occurs to sound natural teeth
Any loss for which benefits are paid under state or federal worker's compensation, employers liability, or occupational disease law
Treatment in any Veteran Administration or Federal Hospital, except if there is a legal obligation to pay
Cosmetic surgery, except for reconstructive surgery due to a covered injury
Charges the Insured Person would not have to pay if He did not have insurance
Eyeglasses, contact lenses, hearing aids
Charges that are in excess of Usual, Customary, and Reasonable charges

The General Liability Insurance Plan for Dance Studios

Protects you in the event of a lawsuit or property damage.

Who is covered?
This $1,000,000.00 occurrence form general liability program provides protection for your Dance Studio, owners, directors, instructors, and employees against claims of bodily injury liability, property damage liability, personal and advertising injury liability, and the litigation costs to defend against such claims. Coverage is provided up to $1,000,000 per occurrence with a general aggregate amount of $3,000,000 subject to a $250 deductible.

Coverage includes suits arising out of:

Injury or death of participants, spectators, or volunteers
Property damage liability
General negligence claims
All activities necessary or incidental to conduct of activities
Cost of investigation and defense of claims, even if groundless
Ownership, use, or maintenance of gyms, fields, or, school areas

Includes coverage for all on and off site recitals. Additional insureds such as landlords or recital facilities can be added at no additional charge.

Exclusions
Owned auto coverage, medical payments, fraudulent or dishonest acts, asbestos liability, assault and battery, punitive or exemplary damages, sexual abuse and molestation, employment related practices, professional liability, total pollution, collapse of temporary structure, fireworks and pyrotechnics, nuclear energy liability, use of saunas, sale/manufacturing/distribution of any athletic equipment and liability for occurrences prior to the effective date of coverage. All of the above are subject to the terms and conditions of the policy.

Note: There is no liability coverage for claims arising out of any of the following activities: Gymnastics, Cheerleading Pyramids, Trampolines or Inflatable Devices, Water slides, White Water Rafting, Water Craft, Scuba Diving, Bungee Jumping, Rock Climbing, Repelling, Ballooning, Parachuting, Rodeo or any other Saddle Animal Exposures.

Premium Rates (Combined Accident and Liability rates)

$4.00 Per Person Per Year (Staff included, no extra charge.)

Note: Certain exclusions and limitations may be modified to meet individual state requirements. Hired and non-owned automobile liability coverage provides protection for rented, borrowed, and other non-owned vehicles driven on dance studio business.

Some exclusions and coverages may be modified to meet individual state requirements. Not Available in All States.

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