HKMB is pleased to offer an insurance program that provides liability insurance coverage for Dance Instructors. We recognize that a one-size-fits-all methodology does not, in fact, fit all. Therefore, our program has been tailored to your needs with options that vary in accordance with the size and scope of your operations, and premiums that are tiered accordingly.
OPTIONS ›› Coverage Summary ›› Cost ›› Apply
Basic Option:
Instructors who are Strictly Freelance/Contract Workers
Coverage under this option is designed for instructors who work exclusively on a freelance or contractual basis with one or several dance studios, and who are not considered an “employee” of any given studio. This instructor does not arrange or conduct classes independently of a dance studio.
Comprehensive Option:
Instructors who are also Sole Proprietors
Designed with the entrepreneur in mind, coverage under this option is tailored for instructors who operate as a sole proprietors, arranging and conducting their own classes and retaining all profits derived from such endeavours. To qualify under this Option, the instructor cannot operate a “dance studio”, that is, own and/or permanently lease a studio location. The Comprehensive Option allows for the possibility that a sole proprietor might also be a freelance or contractual worker as described under the Basic Option.
Insurance can be purchased online through HKMB by clicking here.
Both Options are restricted as follows:
- Instructor eligibility:
- Insured must be over 18 years of age
- Canadian Resident
- Individual policies are effective as of the date of purchase and extend for 12 months
- Premium is fully retained upon acceptance of payment (i.e., the premium will not be refunded if the policy is cancelled by the insured prior to its expiry date)
- Coverage applies only to Canada
Sovereign General Insurance Company 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 at www.kandkcanada.com.
What is your coverage under the program?
Coverage under this program commences on the day the insurance is purchased and extends 12 months hence.
|
$2,000,000 |
Commercial General Liability - covers third party bodily injury and property damage |
| Includes: |
Injury to Participants |
| Excludes: |
U.S. Operations |
What is the cost of insurance under the program?
This insurance can be purchased at any time between January 1, 2007 and January 1, 2008. The cost is as follows:
Basic Option: For Freelance Dance Class Instructors
(Instructors sub-contracted by dance studios; not those offering or arranging independent lessons.)
| Premium |
$100.00
|
| Administrative Handling Fee |
$50.00
|
| Total |
$150.00
|
| (Applicable taxes not included) |
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.)
| Maximum Students / Class | Less than 50 |
51 - 150 |
151+ |
| Premium |
$150.00
|
$275.00 | $395.00 |
| Administrative Handling Fee |
$50.00
|
$75.00 | $100.00 |
| Total |
$200.00
|
$350.00 | $495.00 |
| (Applicable taxes not included) |
If you qualify for both the Basic and Comprehensive Option, you must purchase coverage under the Comprehensive Option.
