Music School Insurance Pennsylvania Policy Information
Music School Insurance Pennsylvania. Classical, jazz, rock-n-roll, hip hop; music is your passion and you want to spread the joy with others. That's why you decided to start your very own music school.
Music schools specialize in the study of music, its history, and theory, composition, conducting, singing, playing a musical instrument, or how to make and repair musical instruments. Students may learn to perform individually or as part of an ensemble or orchestra.
Some provide enrichment opportunities for elementary or secondary students while others offer two-or four-year degrees in a college or university environment. They may be publicly funded from state and federal tax dollars or privately funded through donations, particularly donations from alumni.
Additional funding comes from tuition, fees, bookstores, admissions to cultural events, fundraisers, and licensing of miscellaneous goods and apparel bearing the institution's name or logo.
Whether it's been a lifelong dream and has always been your goal or you just recently decided to change your career path and launch a music school, as the owner and operator of a PA music school, you want to make sure that you provide your students with the very best experience possible.
If you employ a staff, you also want to ensure that you offer them a safe work environment. Of course, you're also responsible for everything else that's related to operating any kind of business.
While you make every effort to ensure that everything goes as smoothly as possible, there's no telling when something will go wrong.
That's why, if you're planning on starting a music school, in order to protect yourself, your students, and your staff from the unexpected, investing in the right type of insurance coverage is so important.
But what type of business insurance do you need? Read on to find out what kind of music school insurance Pennsylvania coverage are needed.
Music school insurance Pennsylvania protects music instruction businesses from lawsuits with rates as low as $37/mo. Get a fast quote and your certificate of insurance now.
Why Do Pennsylvania Music Schools Need Insurance?
The owners and operators of all types of businesses are responsible for anything that goes wrong; property damages, liability claims, work-related injuries that your employees may suffer, etc. You're also responsible for providing your students with a high-quality education and a safe learning environment.
Since you're the proprietor of your music school, if any mishaps - whether unintentional or intentional - occur, you will be held liable and will have to cover any related costs.
For example, if a student were to file a lawsuit against your school citing that a member of your faculty harassed them, you'd have to cover the cost of the related legal expenses. If your school were to sustain damages in a major storm, you'll have to pay for anything that needs to be repaired or replaced. Should one of your staff members sustain a work-related injury, you'll have to cover their medical care and compensate them for any wages that they may lose if they are unable to work while recovering.
Those are just a few examples of the things that can go wrong.
It goes without saying but it is certainly worth mentioning that if something unexpected does happen, the financial repercussions could be devastating.
That's why being properly insured is so important, because if and when a mishap occurs, as long as it's covered by your insurance policies, your carrier will cover the related costs. In other words, music school insurance Pennsylvania can help to prevent you from serious financial losses.
What Type Of Insurance Do PA Music Schools Need?
There are several types of insurance policies that music schools should carry. Some policies are compulsory, while others are voluntary, and there are several factors that will determine which policies you will need to and might want to carry; where your school is located, the size of the facility, and whether or not you employ a faculty and staff, for example.
With that said, however, here's a brief overview of just a few of the music school insurance Pennsylvania policies that should be considered:
- Commercial Property: This policy covers the physical structure of your school and the contents within it (instruments, desks, chairs, music stands, equipment, etc.) from damages and losses that are related to things like fires, pipe bursts, theft, and vandalism. For example, if a pipe were to burst in your school and damage the flooring, furnishings, and instruments, this policy would cover the damages.
- General Liability: This music school insurance Pennsylvania policy covers third-party liability claims related to personal and physical injuries, as well as property damages. For instance, if a staff member claimed that their personal property was damaged on your property, this policy would cover any legal fees that may be related with the claim, as well as any compensation that a court may find you liable for.
- Workers' Compensation: Should a member of your faculty or staff suffer an injury while they are at work, workers comp would reimburse them for medical care and lost wages.
These are just some of the different types of music school insurance Pennsylvania policies that should be in place. Speak with a commercial insurance broker to go over the exact types you need for your operations.
PA Music School's Risks & Exposures
Premises liability exposures are high due to the age and number of students and visitors on premises. The adult/student ratio should be low enough to permit adequate supervision. Classrooms should be arranged so instructors can see students at all times.
Furnishings and musical equipment must be well maintained to prevent injury to students. Flooring should have nonskid surfaces. Slips and falls can be prevented with good housekeeping and by maintaining floor coverings in good condition, with no frayed or worn spots on carpet and no cracks or holes in flooring, and prompt cleanup of spills.
Sufficient exits must be provided and be well marked, with backup lighting systems in case of power failure. Parking lots and sidewalks need to be in good repair with snow and ice removed, and generally level and free of exposure to slips and falls. High levels of noise can result in hearing impairment.
Procedures for all emergencies should be posted, with employees trained to use them. Evacuation drills should be practiced on a regular basis. Security issues are becoming more critical in educational settings.
Access to the building must be limited during the hours of operation to prevent unauthorized access, students escaping, or kidnapping. If there are dormitories, supervisors' references must be verified, including a criminal background check. There should be hard-wired smoke detectors in each living unit.
Immunizations should be required for each student, along with an emergency medical contact. There should be written policies regarding when a student is too ill to attend class, and when the facility will contact parents or medical emergency providers in the event of illness or an accident.
If the college has an on-premises medical clinic or police staff, professional liability coverage may be needed. Off-premises exposures can include concerts, field trips, class trips, overseas semesters, and research and development activities.
Personal and advertising injury exposures include allegations of discrimination, failure to prevent intimidation, humiliation, hazing or bullying by instructors or other students, false arrest or detention, invasion of privacy, unauthorized or intrusive searches, slander and libel from publishing or broadcasting activities, and wrongful expulsion.
In addition, exposures arise from professor publications, including research stealing and disputes and copyright or patent infringement. Written procedures should be in place as to the intervening actions the music school must take when the administration becomes aware of any allegations of such activities.
Abuse and molestation exposure is higher if the music school instructs elementary or secondary level students. No coverage is available for the abuser. While there is some coverage in the standard market for the institution where the abuse takes place, it is very restricted.
More complete coverage should be purchased through specialized markets. The school must take all care possible to protect students from predatory adults and older students through background checks, monitoring, and supervision, and reporting all allegations of abuse to the proper authorities.
Directors and officers exposure arise from the decisions and actions of board members. Policies and procedures should be published and consistently followed, especially as they relate to the election of officers and removal of officers.
Professional liability exposure is high if the music school is affiliated with a college or university due to the number of professors and counselors employed. Verification of professional credentials is critical. Educational standards must be in writing and meet all criteria for state and federal licensing and accreditation.
Workers compensation exposures for music teachers include lifting, hernia, back sprains, and strains. High levels of noise can result in hearing impairment. Welding and repairing of instruments can result in cuts and burns.
Many of the processes used for repairing musical instruments can cause lung, eye, and skin irritations. Use of flammables, solvents, lead-based paints, or chemicals from working on staging need to be carefully evaluated. Protective equipment may be required.
Use of computer keyboards can result in repetitive motion injuries. Workstations should be ergonomically designed.
Exposure to communicable disease can be high. All employees should have up-to-date immunizations to prevent the spread of communicable disease. Custodians can develop respiratory ailments or contact dermatitis from working with chemicals.
Instructors may travel with students for competitions or performances and may intervene to protect them from injury. Unauthorized visitors can pose a threat to employees as well as students.
Property exposure is limited unless musical instrument repair is done on premises. Ignition sources include audio/visual equipment, electrical wiring, and heating and air conditioning systems. All must be well maintained and meet current codes for the occupancy.
Repairs include soldering and welding, along with lacquer, paint, and varnish. All flammables should be stored in appropriate cabinets and in a cool environment. Welding and soldering must be done in a safe and well-ventilated location away from combustibles.
Musical instruments are expensive and susceptible to damage by fire, smoke, or water. Storage of uniforms and backdrops increase the fire load. Extinguishing equipment must be easily accessible.
If meals are prepared on premises, all cooking equipment must be properly protected. Housekeeping must be excellent. Colleges are often targets for vandalism and malicious mischief. There should be after-hours security to prevent unauthorized access.
Business income exposure can be high if a specialized classroom building, dormitory, or concert hall is shut down after a loss. A disaster plan should be in place identifying temporary facilities and suppliers that could be used in the event of a loss.
Crime exposures are from employee dishonesty and theft of money and securities. Background checks should be performed on all employees handling money. All job duties, such as ordering, billing, and disbursement, should be separate and reconciled on a regular basis. If cash is received for tuition or from donations, receipts should be provided.
Bank deposits should be made on a timely basis to prevent the buildup of cash on premises. External audits should be conducted at least annually. Cash from bookstores must be periodically picked up, tallied, verified, and deposited in a drop safe pending transfer to a bank. Large cash deposits may require the use of an armored car service.
Inland marine exposure includes accounts receivable for payments from donors, parents and students, computers for offices, classrooms and composing, and valuable papers and records for student information, musical scores, manuscripts, and library books. All data must be duplicated and kept off premises.
A theatrical property floater should be used for the backdrops, uniforms and other items necessary when the students perform. Musical instrument coverage may be necessary for school-owned equipment that is loaned to students or taken off-site for performances.
Business auto exposure is generally limited to hired and non-owned due to errand running. If there are owned vehicles, all drivers must have appropriate licenses and acceptable MVRs. All vehicles must be well maintained and the records kept at a central location.
Music School Insurance Pennsylvania - The Bottom Line
To protect your institution, employees and students, having the right music school insurance Pennsylvania coverage is important. To learn about the policy and coverage options are available to you and how much the coverage costs - speak to a reputable commercial insurance agent.
Pennsylvania Economic Business Outlook & Commercial Insurance Requirements
While you might have a fantastic idea for a business, if you aren't setting up shop in the right PA location, there's a good chance that you won't see the success that you hope to achieve. With that said, it's important that you have an understanding of the economic status of the state that you are thinking about doing business in. It's also important for you to know what type of rules and regulations regarding insurance are in place in that state.
If you are thinking about doing business in the Commonwealth of Pennsylvania, keep on reading to find out some valuable information that you can use to make the best choices for your operation.
Pennsylvania's Economy Now And Into The Future
In terms of the economy, Pennsylvania's future looks pretty bright. It boasts the sixth largest economy in the United States. It is also home to some of the largest private and public organizations in the nation, as per sales.
The job market is expected to see steady growth in Pennsylvania during the 2021 calendar year. That rate is expected to be 1 percent, which is a marked increase from previous years. This is largely due to the high pool of educated laborers that reside in the state. Currently the unemployment rate is 4.9 percent, which is on-par with the rest of the nation. It is believed that the unemployment rate will continue to drop as more jobs are added.
For business owners, there are several industries that will afford success. The food products industry, particularly related to agriculture, contributes largely to the state's economy. This is expected to continue moving forward throughout the 2021 calendar year. Other industries that are forecasted to see growth include:
- Printing & Publishing
If you are thinking about doing business in PA, working in one of these industries will likely afford you success.
Insurance Requirements For Businesses In Pennsylvania
The Pennsylvania Insurance Department regulates insurance in PA. Business owners are legally required to carry workers compensation insurance. This type of coverage is a must for any business that employs any W2 part-time or full-time employees, and for employees that are either hourly or salaried. You must also carry PA commercial auto insurance if you plan on using a vehicle to conduct anything related to your business.
While commercial liability insurance is not required in Pennsylvania, it is still a wise idea to invest in. This type of coverage will protect you from the cost of any lawsuits that could potentially arise.
Additional Resources For Education, Colleges, Universities & Schools Insurance
Learn about small business commercial insurance for educators that helps protecting your professional reputation and other legal liabilities arising from your educational services.
- Art School
- Beauty School
- Charter School
- Chiropractic Schools
- Colleges, Universities & Professional Schools
- Driving Schools
- Educational Services
- Language School
- Music Schools
- Private Schools
- Real Estate School
The exposures of one individual educational institution may be totally different from those of another. Because of this, comprehensive surveys of each facility are needed to accurately determine the proper insurance program needed by each.
While the exposures may be significantly different, they have the common component of educating a student and providing faculty that is competent and facilities that are safe for learning.
Many of these institutions have a number of buildings, extensive grounds, and expensive equipment. Comprehensive property and liability insurance is crucial, as is protection and coverage for tuition income, athletic events, teachers’ liability and many other exposures.
Educators' Legal Liability (ELL) coverage provided by insurers may have significant differences. It is important to compare what is available to meet the exposures and financial needs of a given educational institution or school district. Different ELL forms may even have substantially different insuring agreements. There are three main types of insuring agremeements in ELL policies:
Insuring Agreement A: The language in this agreement refers to coverage being provided contingent on receiving the policy premium. It states that coverage is subject to all relevant policy provisions. The carrier also states that the policy issuance is a result of completely relying on the accuracy of the information provided by the applicant/insured. This agreement refers to a Self Insured Retention .
Insuring Agreement B: This company's agreement is worded similarly to the language found in most standard commercial policies. It states that the company will pay on behalf of an insured that faces an allegation of performing a wrongful act. It also states that it will not respond to acts that occur before either the policy's effective date or the applicable retroactive date.
Insuring Agreement C: The language in this carrier's agreement is more specific. It makes reference to paying on behalf of an insured due to liability involving eligible, education operations acts. It also contains wording that reflects its claims-made basis of coverage.
Minimum recommended small business insurance coverage: Building, Business Personal Property, Business Income and Extra Expense, Employee Dishonesty, Money and Securities, Accounts Receivable, Commercial Articles Floater, Computers, Valuable Papers and Records, General Liability, Directors and Officers, Employee Benefits, Professional, Umbrella, Business Auto Liability and Physical Damage, Hired and Nonownd Auto & Workers Compensation.
Other commercial insurance policies to consider: Earthquake, Equipment Breakdown, Flood, Spoilage, Computer Fraud, Extortion, Animal Floater, Contractors' Equipment, Fine Arts, Musical Instruments, Theatrical Floater, Cyber Liability, Employment-related Practices, Stop Gap Liability and Active Shooter.
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