Whether You’re a Studio Owner or an Independent Teacher, K&K Insurance Can Save Your Business
Picture this: You’re a studio owner busy teaching a class when a grandparent trips on some unsecured carpeting during drop-off. Or maybe some dancers lean on and accidentally crack the mirror, so now you need to replace it. Or perhaps a student is injured while trying a trick in class and is blaming the teacher.
In any of these scenarios, an important question is: Do you have liability insurance to cover the costs of defending yourself and settling any claims?
“Even when the school or the instructor is not at fault, you still have the stress of finding an attorney, making sure that things are handled properly, and the costs can really add up,” says Lorena Hatfield, marketing manager for K&K Insurance. And the costs aren’t just minor line items: “Without insurance, those expenses can be devastating to a business’ bottom line,” notes Mark Beck, senior vice president of K&K Insurance. But if you’ve got solid coverage, your insurance company can handle all that for you—including hunting down the right attorney—so you can keep your focus on what matters most: your students and your studio.
“Liability insurance helps protect dance studio owners from the unexpected,” Beck says. “Even if a dance-school owner has never experienced a liability claim, that can change in an instant.”
Insurance Specifically for Dance Schools
Anyone in the dance world knows that “the unexpected” can look very different in dance education than it might in an everyday retail business. That’s why K&K Insurance offers liability insurance explicitly crafted for the particular risks faced by dance schools and dance instructors. “With decades of experience, our team is familiar with coverage needs and claims resolution specific to the dance industry,” Beck says. The company staffs underwriters and claims adjusters with deep knowledge of dance-instruction insurance. “Our claim specialists have seen all the things that really are pertinent to dance schools or dance instructors, and they know how to handle it,” Hatfield says.
K&K Dance School Insurance offers general liability coverage for things like bodily injury and property damage at your studio (as well as for student performances), personal and advertising injury, professional liability, medical payments for participants, premises liability, and more. Studio owners can also elect to purchase optional insurance for non-registered member activities (like on-site birthday parties or bring-a-friend days); abuse and molestation defense reimbursement and sexual abuse and molestation liability; plus equipment and contents coverage, which offers protection for damage to property like mirrors, special flooring, and furniture.
Insurance for Dance Instructors
It’s not only studio owners who need liability coverage, though. Dance instructors who are independent contractors may not be covered by the schools they’re teaching at if they’re not employees. “If a claim is brought against the school or studio and the teacher is included in the claim, the teacher may find that they’re without coverage and responsible for any costs (including defense) assigned to them in a lawsuit,” Beck says.
So, K&K offers a special policy created just for independent dance teachers, K&K Dance Instructor Insurance. It includes general liability with coverage for bodily injury and property damage, personal and advertising injury, professional liability, damage to rented premises, and more. Although liability insurance might seem like a big investment given dance teachers’ wages, it will offer coverage no matter how many different teaching gigs they take on. “If an instructor teaches at more than one location, having their own policy will provide protection wherever they go,” Beck says.
Easy Purchasing Process
Whether you run a school or are an independent instructor, it’s easy to get a quote and buy insurance directly from K&K’s website. If you prefer to work with an agent, you can ask them to get you a quote from K&K. “We’re happy to work with licensed insurance agents to provide affordable dance school and instructor insurance,” Beck says.
Regardless of how you go about it, investing in a good liability insurance policy is like installing quality sprung flooring in your studio: No matter what happens, you’ll know you’ve got a layer of protection underneath you to help keep you and your business safe.
For more information, visit K&K’s website.
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