Dance Instructor Insurance

To be eligible for coverage under our dance instructor program, you must be at least 18 years of age and a resident of Canada.

For the basic option, the insured instructor must:

1. Work exclusively on a freelance or contractual basis with one or several dance studios
2. Not be considered an “employee” of any given studio
3. Not arrange or conduct classes independently of a dance studio (otherwise, choose the comprehensive option)
4. Not operate a “dance studio” (i.e., own and/or permanently lease a studio location)

For the comprehensive option, the insured instructor must:

1. Operate as a sole proprietor, arranging and conducting their own classes and retaining all profits derived from such endeavors (may also work on a freelance or contractual basis for one or several dance studios)
2. Not operate a “dance studio” (i.e., own and/or permanently lease a studio location)

Here are some other important things to know about our liability coverage for dance instructors:

• Coverage under this program commences on the day the insurance is purchased and extends for a term of 365 days.
• Coverage applies only to Canada.
• Coverage DOES NOT extend to the following in any capacity:
  • Gymnastics and trampoline activities
  • Cheerleading activities involving lifts, tosses, tumbling, stunting or pyramids
  • Any competition hosted or operated directly by the insured
• Coverage extends to the individual only, and only for the activity declared in the application (basic or comprehensive option). Should you have other business that requires separate insurance coverage, please contact us.
• Coverage contains an “abuse, molestation and harassment exclusion.” Click here to view the exclusion.

The policy purchased through this program is for LIABILITY COVERAGE ONLY. That means it protects the insured when alleged negligent acts and/or omissions result in bodily injury and/or property damage to a third party. The policy DOES NOT provide coverage for an injury to the insured person themselves or for property/equipment owned by the insured, errors and omissions causing financial damage to a third party, and cyber liability. Contact HUB for more information about, or to purchase, these types of coverage.

We will not pay for any loss or expense caused directly or indirectly by or resulting from the Novel Coronavirus (2019-nCoV).

It is understood and agreed that this policy does not cover any loss caused by, contributed to by or attributable to, directly or indirectly, a Communicable Disease or fear or threat of a Communicable Disease.

Download the Communicable Disease Exclusion

The Aviva Insurance Company of Canada, through K&K Insurance Co., is the program insurer. K&K focuses exclusively on risks found in the sports, leisure and entertainment industries. For more information about K&K, visit their website.

Please review the exclusions below and those contained in the policy wording received at the time of purchase. If you require an explanation or have any coverage-related questions, please contact us.

The premium under this program is fully retained upon acceptance of payment. That means the premium will not be refunded if the policy is cancelled by the insured prior to the policy expiry date.

Basic option: For freelance dance class instructors

(Instructors sub-contracted by dance studios — not those offering or arranging independent lessons)

Comprehensive option: For sole proprietor dance class instructors

(Instructors operating as sole proprietors — arranging and conducting dance classes and retaining all profits derived from such)