Dance Show 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.

What is Dance Show Insurance?

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 that covers your dance studio but have the recital at a different venue, you might be asked for more coverage than your policy provides. Dance Show Insurance can help.

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.

What does Dance Show Insurance cover?

Dance show insurance covers you for the costs related to 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 team to investigate the claim and defend you in court.

Dance Show Insurance has four areas where financial protection kicks in if necessary:

Third-party, non-employee bodily injury

Imagine that one of your guests trips on a step and falls in the aisle while getting to his seat and he needs medical attention. You could be liable for the cost of treating his injuries.

Third-party property damage

If your event poster falls off the wall, lands on the caterer’s glassware and breaks it, you might be on the hook for the property damage.

Personal and advertising injury

If you take too much creative license and someone brings a claim for intellectual property infringement, libel, or slander against you, this coverage can help protect you.

Damages from liquor liability

If you’re providing alcohol at your dance show, you may be liable if one of your guests gets drunk and causes an injury. But if you’re selling alcohol, you may need to purchase additional liquor liability coverage.

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How much does Dance Show Insurance cost?

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):

Size	Number of Attendees	Premium Range
Small	1 - 50	$185 - $187
Medium	200 - 300	$260 - $271
Large	750 - 1,000	$326 - $357

Who needs Dance Show Insurance?

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 and to list the venues as an additional insured. 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.

The show will go on

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.

Dance Show Insurance FAQs

Does Dance Show Insurance via Thimble cover event cancellation?

Thimble’s special event insurance policies do not cover event cancellation. However, if the show cannot go on, your special event insurance policy is fully refundable as long as it is canceled before the policy start date/time.

What if I only need one-day Dance Show Insurance?

Thimble’s special event insurance is designed for short-term needs and will cover your event for one day up to five days. That includes setup and breakdown time. Cancel your policy at any time before the policy becomes effective to get a refund.

Do I need Dance Show Insurance if my venue has commercial liability insurance?

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 and to list the venue as an Additional Insured on your policy.

Do I need Dance Show Insurance if my event is held at a private home?

You don’t want accidents to take center stage when hosting a dance show at a private home. Get special event insurance to make sure you are protected for your big day or check with your homeowners insurance provider to see if all you need is an amendment to your existing policy.

What are Thimble’s Dance Show Insurance policy limits?

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.