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You know the importance of proper stretching, warming up prior to dancing, and teaching your dance students in a progressive manner. All these facets of your professional training are designed not only to instruct students of dance, but also to help ensure the safety of the students in each dance class.
However, in a world of unknowns, where many accidents and injuries cannot be predicted and prevented, the business-savvy dance instructor goes a step further when it comes to such issues. In this case, being business savvy and going a step further means securing dance instructor liability insurance.
Depending on where you live and work, purchasing dance teacher liability insurance may not even mean making a smart business move or going the extra mile to protect your career and your finances. That is because many places may actually require professional dance instructors to show proof of dance instructor liability insurance in order to open the doors to their dance classes and studios.
No matter whether you choose to get dance instructor liability insurance or are required to do so in order to teach dance classes for pay, the fact remains that possessing dance teacher liability insurance can serve as a wonderful shelter from the potential storm that any legal claim could stir up for you and your dance studio.
When you select dance instructor liability insurance, you should be getting three key forms of coverage: general liability insurance, professional liability insurance and product liability insurance. Each of these three aspects of solid dance instructor liability insurance is designed to offer protection when it comes to three different kinds of legal claims.
The first piece of coverage that should come with your dance instructor liability insurance—general liability insurance—is especially important to folks in all types of professions. However, it may be even more important for professional dance teachers. General liability insurance is also known as trip and fall insurance, and it is designed to offer legal support and financial coverage in cases where a person trips, slips, falls or otherwise has such an accident on the property of a specific business.
Now, if this person who trips and falls suffers an accident and decides to sue the business simply because the accident took place on the property of that business, then this is where general liability coverage would come into play. The reason this piece of your dance instructor liability insurance may be so important is because it is the nature of a dance class to have multiple people moving about in a confined space, often conducting rather complicated physical motions, which would seem to increase the odds of a slip, trip or fall.
Of course, the other aspects of coverage that come with dance teacher liability insurance can also serve as important safety nets for your career and finances. With the right dance instructor liability insurance policy, you should not have to dig into your own pockets if a potential legal claim ever comes your way in association with your dance classes.
tags: Dance Instructor Insurance, Dance Instructor liability insurance, Dance Teacher Insurance, Dance Teacher Liability Insurance