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A school dance is a perfect place for young love to be on perfect display. Whether it’s a winter formal, prom, or holiday dance, a group of kids cutting loose can lead to accidents resulting in injury or property damage.
School Dance Insurance helps protect you–the event organizer–from the financial consequences resulting from accidents that lead to general liability claims, whether because of a destroyed prom dress, damage to the stage, or someone getting hurt while doing the electric slide.
What is School Dance Insurance?
School Dance Insurance falls under the category of special event insurance, which covers the organizer from the financial consequences resulting from claims for injuries or property damage that can come from guests, vendors, or the venue owners.
The list of risks is long but can include scenarios such as these:
- Two people fight over a date and someone gets hurt. You could be held liability for their injuries.
- Someone decides to spray paint the school mascot behind the stage. You could be held liable for the damages caused to the mascot as well as any damages caused to the stage area.
What does School Dance Insurance cover?
Because there is so much that can go wrong at a dance, you want to make sure that you have the right coverage. This is especially important if claims are false or exaggerated, because this can be expensive even if you don’t have to pay a settlement!
School Dance Insurance provides investigation services and a legal defense for claims.
It can cover you for the financial consequences resulting from claims made by guests, bystanders, vendors, or venue owners. This includes claims for damages from:
- Third-party bodily injury (non-employee): Some people have two left feet. If someone gets injured while at the dance, you can be held liable and responsible for paying for their medical costs.
- Third-party property damage: If someone’s personal items are damaged or destroyed during the dance, you can be held liable for the costs of their repair or replacement.
- Personal and advertising injury: Kids say the darndest things, and sometimes chaperones and teachers do too. If someone brings a libel or slander suit as a result, you could be held financially responsible.
How much does School Dance Insurance cost?
School Dance Insurance costs are contingent on several factors that include the length of the event, how many people will attend, and any high-risk activities that might be included in the program. Check your policy to make sure that the activities that you plan are not excluded.
While most school dances only last one day, extra time is needed for the set-up and breakdown of big affairs such as a prom or winter formal. Make sure to buy insurance that covers you from set-up to cleanup.
Here’s a range of Thimble’s School Dance Insurance costs for one day:
Who needs School Dance Insurance?
Whether you represent a school, student group, or you’re an individual planning the dance, you’ll want to get School Dance Insurance. The party that organizes that dance is likely to be held responsible for mishaps, which is why insurance is so important. Don’t be stuck without the coverage you need, which could break the bank when you should be busting a move.
Besides being just a good idea, School Dance Insurance is likely required by the venue contracted for the event if it is held off the school premises. Venues often want at least a $1 million per occurrence limit for general liability coverage on the organizer’s policy, with the venue named as an Additional Insured on your policy. This means that since the venue has a business relationship with you, the coverage on your liability policy extends to the venue owners in case they’re named in a lawsuit.
With Thimble’s fast, on-demand insurance, you can get a policy and download a certificate of liability insurance for the venue quickly. You can also get a COI if the school or venue requires it for their event sponsorship.
Dance the night away worry-free
Let everyone show off their best dance moves without worrying about the financial ramifications of claims. Don’t let the thought of a claim stop the music of such a fun evening for the kids. Get specialized School Dance Insurance so everyone can have fun all night long.
Planning a school dance? Get a policy in minutes and get back to the dance floor.
School Dance Insurance FAQs
What if I only need one-day insurance?
Plan on being in and out quickly–including cleanup? That’s great. Thimble offers policies for the day or up to a week for your special event (that includes time for setup and breakdown). Get the insurance that you need when you need it, and nothing more.
What are Thimble’s School Dance Insurance coverage policy limits?
To start, all of Thimble’s special event insurance policies have a $1 million limit in coverage for each occurrence with a $1 million aggregate limit. If you need more coverage, you can increase limits to a $2 million per occurrence limit with a $2 million aggregate limit. This will increase your premium, but not double it.
Do I need School Dance Insurance if my event is held at my home?
Got the perfect location for the school dance at your home? That’s great. But don’t assume that your homeowners insurance will properly cover the event. You may find that your existing policy limits coverage for events. If so, get specialized School Dance Insurance to cover the gaps.
Does School Dance Insurance via Thimble cover event cancellation?
Thimble does not provide coverage for event cancellation. We do, however, allow you to cancel your policy at any time before it starts. This means you can get a full refund of your policy premium right up until your coverage is scheduled to begin.
Cleaners and Janitors insurance protects your business from lawsuits, if you or your property accidentally hurts a third party or damages their property.
Bodily Injury 
Property Damage 
Legal Defense 
Medical Payments
Covered Activities
- Car / Boat / Vehicle Washing or Detailing
- Housekeepers
- Janitorial Services including Carpet and Window Cleaning
- Office Cleaning
- Pressure Washing
Optional Add-Ons
- Exterior Painting
- Floor Waxing
- HVAC
- Plastering
- Plumbing (other than a leaky faucet or toilet)
- Snow / Ice Removal
Excluded Activities
- Inspectors
- Floor waxing during business hours or in commercial buildings with heavy foot traffic(malls, grocery / convenience / drug stores, hospitals, airports)
- Performing Work over Three Stories in Height(30 Feet)
What's Not Covered by Your Policy
- Activities Involving Firearms
- Performing Work over Three Stories in Height (30 feet)
- Work on 10 or More New Homes or New Residential Units in Any One Project or Development
- See full policy for details
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