Pennsylvania Dance Studio Insurance Policy Information
Pennsylvania Dance Studio Insurance. You're passionate about dance and decided that you want to start your own studio so you can share your passion with others. You've found a great location, have your permits, the equipment is all set up, and you may have even hired a few instructors to assist you.
Before you start marketing and accepting students, there's just one more thing that you need to do: get insured.
Dance schools and studios teach the art of dance in various forms, such as ballet, ballroom, hip-hop, jazz, modern, and tap. The school may specialize in one specific type of dance or offer all types.
Some studios offer instruction in cheerleading and gymnastics. Dance schools have smooth floors, generally hardwood, with the flexibility to absorb the impact of various dance steps. There may be barres used for support, or large mirrors allowing students to visually determine that the movements are being performed correctly.
Most dance schools are privately funded through tuition charged to students. Additional revenues are from retail sales, snack bars, fees for special instruction, and admissions to special events.
Why do you need Pennsylvania dance studio insurance? What kind of coverage do you need? Below, you'll find the answers to these questions so you can protect yourself, your clients, and your staff so that you can run a successful dance studio.
Pennsylvania dance studio insurance protects your school from lawsuits with rates as low as $37/mo. Get a fast quote and your certificate of insurance now.
Why Do Dance Studios Need Insurance?
As the owner and operator of an PA dance studio, you face many of the same risks that business owners in any other industry face. Your commercial space could be damaged in a fire, a storm, or by an act of vandalism; a vendor could trip, fall, and suffer an injury while dropping something off at your studio, or an employee could suffer a work-related injury, for example.
You also face some unique risks; for instance, a student could get hurt while participating in one of the dancing classes that you sponsor.
If any of the above-mentioned incidents occur, as the proprietor of your dance studio, you are liable and will be responsible for paying the related expenses. For example, if a client breaks their ankle during a hip hop class you teach, you'll have to pay for their medical bills, or if your building is damaged, you'll need to cover the cost of the repairs.
As you can imagine, the cost of medical bills, property damages, and if someone files a lawsuit against you, legal fees, can be exorbitant. If you aren't properly insured, you'll need to pay for these expenses out of your own pocket.
Having the right Pennsylvania dance studio insurance coverage in place can help you avoid serious financial turmoil because if something does go wrong, instead of paying the related expenses yourself, your carrier will cover them for you.
In addition to helping you avoid serious monetary losses, certain types of commercial insurance are compulsory for dance school owners of all styles of dancing, including some of the most popular types:
- Hip Hop
- Tap Dance
- Folk Dance
- Irish Dance
- Modern Dance
- Swing Dance
If your PA dance instructors and studio aren't insured, you could face serious fines and there's even a chance that you could lose your school of dance.
What Type Of Insurance Do Dance Schools Need?
There isn't a single policy that covers all of the insurance coverage needs that dance studio owners need. As such, you'll need to either invest in individual policies or a business owners' policy that covers the basics with additional coverages to cover the unique risks that dance studio owner's face. Examples of the type of coverage you'll need include:
- Accidental Medical - This type of insurance is mandatory for PA dance studio owners. It covers the medical expenses that your students may require if they are injured while participating in an activity that you sponsor and they aren't insured or if their medical care will exceed the amount that their personal insurance will cover
- General Liability - This coverage will pay for any third party liability claims that you may face. For instance, if someone who is interested in signing up for a class trips over a cord while visiting your studio, breaks a leg, and files a lawsuit against you, general liability insurance will cover the related medical care and legal fees.
- Commercial Property - To protect the physical structure of your PA dance school, you'll need commercial property insurance. This coverage will pay for any damages that your property may develop in an act of nature (fire, storm damage, etc.) or an act of vandalism or theft. It also covers contents within your building that are damaged, as well as some of the exterior structures, such as sidewalks, lights, and signage.
- Workers' Compensation - If you employ a staff, you are responsible for any on-the-job injuries or illnesses that they may experience. For instance, if one of your teachers is injured while teaching a class, workers' comp will cover their medical care and compensate them for any wages they may lose if they are unable to work while recovering.
The above-mentioned Pennsylvania dance studio insurance policies are just a few examples of the type of coverage you should carry as a school of dance.
PA Dance School's Risks & Exposures
Property exposure is moderate. 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. The chemicals used to maintain floors and the paints used for backdrops for shows are highly flammable. These should be stored in appropriate cabinets and kept away from combustibles.
Costumes and backdrops are susceptible to damage from fire, smoke, and water. Extinguishing equipment must be easily accessible. If there is cooking on premises, all cooking equipment must be properly protected. Housekeeping must be excellent. Business income may be needed after a loss if backup facilities are not readily available.
Crime exposures are from employee dishonesty and theft of money and securities. Background checks, including criminal history, 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 payments, receipts should be provided. Bank deposits should be made on a timely basis to prevent the buildup of cash on premises. Books must be audited at least annually. Should students assist in collecting cash in concession stands or for special events, there must be adequate supervision to prevent pilfering.
Inland marine exposure is from accounts receivable for tuition payments, audio-visual equipment used both on and off-premises, computers used in the office and for choreography, and valuable papers and records for students' and vendors' information.
Duplicates should be made of all data and stored off premises. A theatrical property floater may be needed for the backdrops, costumes and other items necessary when the students perform off-site.
Premises liability exposures are high due to the type of instruction and the age and number of students and visitors to the premises. The adult/student ratio should be low enough to permit adequate supervision. Classrooms should be arranged so instructors can see children at all times.
Flooring should have nonskid surfaces. Slips and falls can be reduced through requiring proper footwear, maintenance of flooring, housekeeping, supervision of students, and prompt attention to 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.
Communicable diseases can be spread quickly to others. Students and staff should be encouraged to wash hands regularly. Emergency procedures should be posted, with employees trained to use them. Evacuation drills should be practiced on a regular basis.
Security is important because the school is responsible for the safety of teachers, staff, students, and visitors. Entrance and exits must be controlled to prevent unauthorized access. If there are dormitories, supervisors' references must be verified, including a criminal background check, and there should be a hard-wired smoke detector in each living unit.
Personal and advertising injury exposures include allegations of copyright or patent infringement, discrimination, failure to prevent intimidation, humiliation, hazing or bullying by instructors or other students, false arrest or detention, invasion of privacy, or unauthorized or intrusive searches. Written procedures should be in place.
Abuse and molestation exposure is very high when there is care and supervision of children and young adults. No coverage is available for the abuser. While there is some coverage for the school 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.
Automobile exposure is generally limited to hired non-owned exposures due to employees running errands. 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.
Workers compensation exposures for dance instructors is high as physical interaction with students is required during classes, which can result in injuries from lifting, hernia, back sprains, and strains. Exposure to communicable disease is high when working with children. All employees should have up-to-date immunizations to prevent the spread of communicable disease. Working on costumes or staging can result in burns from welding, cuts and puncture wounds from sewing and woodworking, and lung, eye, and skin irritations from dusts, paints or solvents.
Custodians can develop respiratory ailments or contact dermatitis from working with chemicals. If food is prepared on premises, kitchen workers can incur cuts, scalds, and burns. 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.
Dance Studio Insurance - The Bottom Line
To find out more about the Pennsylvania dance studio insurance coverage you'll need and for help building an insurance package that will properly protect your dance school, speak with a reputable 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 Contractors & Home Improvement Insurance
Learn about small business contractor's insurance, including what it covers, how much it costs - and how commercial insurance can help protect your contracting business from lawsuits.
- Air Conditioning Systems Installation Repair
- Appliance Repair & Service
- Blacksmith & Metal Workers
- Boat Repair & Dry Docks
- Boiler Contractors
- Builders Risk
- Building Cleaning & Maintenance Services
- Cabinet Installer
- Cable And Satellite TV Installer
- Chimney Sweep
- Cistern Contractors
- Contractor Liability
- Curtain Cleaners
- Deck Builders
- Door And Window Installers
- Dryer Vent Cleaning
- Drywall Contractor
- Electrical Contractors
- Environmental Remediation Contractors
- Fence Installation
- Fire Sprinkler Contractors
- Fire & Water Restoration Contractors
- Flooring Contractor
- Furniture Repair
- Garage Door Installer And Repair
- General Contractors
- Glass Contractor
- Glazier Insurance
- Gutter Installation And Repair
- House Cleaning
- HVAC Contractor
- Insulation Contractor
- Janitorial Cleaning Services
- Lawn Care
- Lawn Irrigation Sprinkler System Installation
- Oil And Gas Well Drilling Contractors
- Paperhanging Contractors
- Plastering And Stucco Contractor
- Pressure Washing Contractors
- Propane And Fuel Dealers
- Rug, Upholstery & Carpet Cleaning
- Sandblasting Contractors
- Security Alarm
- Septic Tank Cleaning
- Siding Contractor
- Sign Installation & Repair
- Solar Panel Installers
- Snow Plow
- Stone And Tile Installer
- Surety Bonds
- Swimming Pool Contractor
- Swimming Pool Service And Maintenance
- Tool Grinding And Repair
- Tree Surgeon
- Tree Trimming
- Tank Cleaners
- Upholstery Shop
- Waste Haulers & Garbage Collection
- Water Well Drilling
- Welding Contractor
- Wildlife & Pest Control
- Window Cleaning
A contractor that wants to begin or stay in business, liability coverage must be obtained for the premises or operations, off-site locations and products/completed operations exposures. These coverages may be included as a part of a businessowners policy (BOP) or purchased in a commercial general liability (CGL) policy. Owners and contractors protective liability and railroad protective liability coverages may also be required in certain cases in order for a contractor to obtain a particular job.
Physical damage coverage for tools, supplies and equipment, both on and off the contractor's premises, is a concern. Liability exposures at the premises of the contractor, and at the premises of the contractor's customer, must be properly addressed along with completed operations. Business insurance is very important as is workers compensation insurance protection for employees.
Contractors may work under a general contractor as a subcontractor in larger construction projects - like a new commercial site or residential subdivision. They can work on smaller projects directly with a home owner, usually specializing in renovations or remodels.
In business insurance speak, often called 'artisan contractors' or 'casual contractors', they are involved in many aspects of construction and contracting work – and include various trades and skills. Carpenters, painters, plumbers, electricians, roofers, tree trimmers, landscaping are just a few examples. They may do roofing, fencing, drywall, tile work and many other trades that involve skilled work with tools at the customer's premises.
An artisan contractor performs a single trade or job, and each has its own specialized liability needs with its own exposures to risk and accidents. Contractors liability insurance can offer coverage for bodily injury, property damage, advertising injury and medical payments.
Most artisan contractors should have commercial general liability at the very least, but many need broader coverages - like an umbrella to increase their limits of liability, inland marine policy to protect their tools, workers compensation if they have employees, and even commercial auto if they use vehicles for business purposes.
Minimum recommended small business insurance coverage: Business Personal Property, Employee Dishonesty, Contractors' Equipment and Tools, General Liability, Employee Benefits Liability, Umbrella Liability, Automobile Liability and Physical Damage, Hired and Non-owned Auto & Workers Compensation.
Other commercial insurance policies to consider: Building, Business Income with Extra Expense, Earthquake, Flood, Leasehold Interest, Real Property Legal Liability, Accounts Receivable, Builders Risk, Computers, Goods in Transit, Installation Floater, Valuable Papers and Records, Cyber Liability, Employment-related Practicesand Stop Gap Liability.
Request a free Pennsylvania Dance Studio insurance quote in Aliquippa, Allentown, Altoona, Ambridge, Baldwin, Beaver Falls, Bellevue, Berwick, Bethel Park, Bethlehem, Bloomsburg town, Bradford, Brentwood, Bristol, Brookhaven, Butler, Camp Hill, Canonsburg, Carbondale, Carlisle, Carnegie, Castle Shannon, Chambersburg, Chester, Coatesville, Collingdale, Columbia, Connellsville, Conshohocken, Darby, Dormont, Downingtown, Doylestown, DuBois, Dunmore, East Stroudsburg, Easton, Economy, Elizabethtown, Ellwood, Emmaus, Ephrata, Erie, Franklin Park, Gettysburg, Glenolden, Greensburg, Grove, Hanover, Harrisburg, Hatboro, Hazleton, Hermitage, Huntingdon, Indiana, Jeannette, Jefferson Hills, Johnstown, Kingston, Lancaster, Lansdale, Lansdowne, Latrobe, Lebanon, Lewistown, Lititz, Lock Haven, Lower Burrell, McKeesport, Meadville, Mechanicsburg, Middletown, Millersville, Milton, Monessen, Monroeville, Morrisville, Mount Joy, Munhall, Murrysville, Nanticoke, New Castle, New Cumberland, New Kensington, Norristown, Northampton, Oil, Old Forge, Palmyra, Perkasie, Philadelphia, Phoenixville, Pittsburgh, Pittston, Pleasant Hills, Plum, Pottstown, Pottsville, Quakertown, Reading, Ridley Park, Scranton, Shamokin, Sharon, St. Marys, State College, Sunbury, Swissvale, Tamaqua, Uniontown, Warren, Washington, Waynesboro, West Chester, West Mifflin, White Oak, Whitehall, Wilkes-Barre, Wilkinsburg, Williamsport, Wilson, Wyomissing, Yeadon, York and all other PA cities & Pennsylvania counties near me in The Keystone State.
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