Best Small Business Insurance
Best Small Business Insurance
Toes are tapping with everyone excited about the upcoming dance performance you organized. And while it would seem that your performers are at the highest risk of getting hurt at the show, you can’t control accidents that may happen to audience members. There are two things you can control: the choreography and Dance Show Insurance.
For example, if a dancer’s dad gets so excited about her pirouettes that he starts demonstrating them in the lobby before the show, he can lose his balance, fall, and get hurt. And while you may have warned him ahead of time that pirouettes are best left for the trained dancers, you could be held liable for his injuries. Dance Show Insurance can protect you from financial loss resulting from these kinds of accidents.
Dance Show Insurance is a type of special event insurance that covers liability claims that occur as a result of a dance show that you planned or organized. It can cover exposures incurred during the set-up, breakdown, and actual performance.
If you already have general liability insurance but have the recital at a different venue, you might be asked for more coverage than your policy provides. Dance Show Insurance can help. And while performer liability insurance can cover your dancers if they get injured while performing, it doesn’t cover your guests.
Even if the venue doesn’t ask for it, getting Dance Show Insurance is a smart thing to do in order to protect yourself from common, yet costly, claims.
Dance show insurance covers you for liability claims from third parties like your guests, vendors, and the venue.
Some claims are exaggerated or downright fraudulent which is why Dance Show Insurance provides the investigation and defense of claims. When someone brings a suit against you, you need a legal team to investigate the claim and defend you in court.
Dance Show Insurance has four areas where financial protection kicks in if necessary:
The cost of Dance Show Insurance will vary based on the size of your event. The larger and longer your event is, the more it will cost. Here is a range of Thimble’s Dance Show Insurance costs for one day (without additional liquor liability included):
If you are putting on a dance show or recital, you may need to get Dance Show Insurance. Without it, if you are held liable for losses, the costs could drain your business bank account, encumber assets, or be assigned to you personally. Even if you are not responsible, you would still have to defend yourself in a lawsuit, and that can get expensive.
Make sure that you get the coverage for the entire event that includes set-up and breakdown. You should have Dance Show Insurance for as long as you have use of the venue.
While you’re talking to your insurance representative, find out whether you should have workers’ compensation insurance in place as well. This provides coverage for employees working on the show who are injured while doing their job or fall ill as a result of their employment.
Check with the venue where the dance show will be held. Chances are it will require you to have at least a $1 million limit in general liability coverage. Once you have your policy, send them your Certificate of Insurance (COI) that provides your valid policy details, lists the coverages, and indicates that your policy is in effect during the event. Thimble makes it easy to get your COI through our app or in your inbox and have it ready when you need it.
You can’t control everything that will happen at your dance recital, especially with guests flowing in and out of the lobby and perhaps even backstage. It takes one accidental bump that leads to a fall, and you could face a claim.
Dance Show Insurance is here to help. It can protect you for the duration of the event so your only focus can be on getting a standing ovation. Dance Show Insurance won’t break the bank, either. You can get your show covered for as little as $185.
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Our policies do not cover event cancellation. However, if the show cannot go on, your event insurance policy is fully refundable as long as it is canceled before the policy start date/time.
Thimble’s special event insurance is designed for short-term needs. Our policies will cover your event for one day up to two weeks. That includes set-up and breakdown time. Cancel your policy anytime before the policy becomes effective to get a refund.
You will need to have your own event insurance policy even though the venue has its own commercial liability insurance. In fact, most venues will require you to furnish a Certificate of Insurance (COI) that demonstrates you have general liability insurance for the event.
You don’t want accidents to take center stage when hosting a dance show at home. Get special event insurance to make sure you are protected for your big day, or check with your homeowners insurance provider to see whether you need an amendment to your policy or if you need specialized event insurance.
Our liability limits start at $1 million per occurrence with a $1 million aggregate. You can increase the liability limits to $2 million per occurrence with a $2 million aggregate if you choose.
Cleaners and Janitors insurance protects your business from lawsuits, if you or your property accidentally hurts a third party or damages their property.