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American Specialty

U.S. based Dance Schools and Studios specializing in the instruction of performance and social dance. Insurance coverage provided includes liability protection for the school, including its employees and volunteers, for liability claims arising out of its operations. Acceptable styles include, but are not limited to, ballet, ballroom, clogging, Irish, jazz, Latin, salsa, swing and tap. Facilities with ancillary yoga and/or exercise classes, birthday parties, day camps and recitals may also be eligible for this program.
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All insurance coverage is provided on an admitted basis by "A" rated carriers.

  • Acro Dance/Tumbling
  • Ballet
  • Ballroom
  • Belly Dancing
  • Clogging
  • Combo
  • Contemporary
  • Country Western
  • Cultural/Ethnic
  • Flamenco
  • Folk Dancing
  • Foxtrot
  • Hawaiian
  • Hip Hop
  • Hustle
  • Irish
  • Jazz
  • Latin
  • Lyrical
  • Modern
  • Mommy and Me
  • Musical Theatre
  • Poms
  • Rumba
  • Salsa
  • Scottish
  • Social Dancing
  • Square
  • Swing
  • Tango
  • Tap
  • Tumbling (floor only - no gymnastic apparatus)
  • Waltz
  • Wedding Dances
  • Yoga and/or Exercise Classes
  • Zumba
  • Exercise Equipment
  • Cheerleading
  • Climbing Walls
  • Gymnastics Training
  • Gymnastics Apparatus
  • Inflatables
  • Martial Arts Training
  • Parkour / Free Running Training
  • Trampolines
  • Trapezes
  • Tumbling Apparatus
  • Zip Lines
  • Acrobatic and/or circus silk training
  • Ballroom rental facilities
  • Banquet and/or reception halls
  • Cabarets
  • Dance halls
  • Discotheques
  • Licensed daycare
  • Night clubs
  • Professional production companies
  • Professional dance companies
  • Professional touring companies
  • Trampoline Parks / Facilities
  • Non-Owned and Hired Automobile Liability
  • Abuse and Molestation
  • Inland Marine coverage for contents and equipment
  • Accident Medical

General Liability Limits
  • $1,000,000 Occurrence
  • $5,000,000 General Aggregate
  • $5,000,000 Products-Completed Operations Aggregate
  • $1,000,000 Personal and Advertising Injury
  • $1,000,000 Damage to Premises Rented to You
  • $5,000 Medical Payments (except for participants)
  • Participant Legal Liability Included

General Liability Notable Exclusions & Endorsements
  • Asbestos Exclusion
  • Lead Exclusion
  • Fungi/Bacteria Exclusion
  • Abuse or Molestation Exclusion (unless optional coverage is purchased) - Defense cost included within limit
  • Fireworks Exclusion
  • Additional Insured - Certificate Holders
  • Participant Legal Liability Coverage Form
  • Products/Completed Operations Hazard Redefined
  • Instructors, Coaches and Sports Officials - Broadened Coverage
  • Exclusion - Bungee jumping; tackle football; concerts; baby-sitting and/or child care operations; swimming pools; water attractions; amusement devices; inflatable structures; go-karts and/or other motorized racing; carnivals/circuses/fairs; laser tag; paintball; climbing walls; traverse walls; zip lines; trapezes; overnight camps or competitions; martial arts involving weaponry; martial arts involving full-contact (including, but not limited to kickboxing, mixed martial arts); weight lifting; parkour/free running; training programs for law enforcement, public safety and/or military personnel; fighting and/or wrestling (including, but not limited to ultimate fighting, extreme fighting, cage fighting, boxing); adult-themed parties, meetings, trips (including, but not limited to, products and/or services pertaining to the adult entertainment industry); operations related to performance as an exotic dance or similar occupation in the adult entertainment industry; haunted attractions; gymnastics; extreme tumbling; cheerleading and/or stunt training; acrobatics and/or circus skills training; sale and/or distribution of herbal, medicinal or nutritional products; operations of ballroom rental facilities; operations of banquet and/or reception halls; dance halls; discotheques; nightclubs; professional production companies; professional dance companies; professional touring companies; trampoline parks/facilities; aerial silks/fabric training

Accident Medical
  • $25,000 Excess Accident medical limit.
  • $100 deductible.
  • $10,000 Accident Death & Dismemberment Limit.
  • Benefit period is 52 weeks.

Contents and Equipment Coverage
  • Coverage for limits up to $150,000 are available online (higher limits require separate offline underwriting).
  • Coverage is provided on a Replacement Cost basis.
  • A deductible of $1,000 per occurrence applies.

Contents and Equipment Coverage Enhancements
Note: These enhancements do not increase the applicable Contents and Equipment Limit unless otherwise specified.
  • Computer Systems - $25,000 Computer Equipment and $25,000 Media and Data
  • Personal Effects - up to $5,000 per person and $25,000 per occurrence
  • Property of Others - $10,000
  • Valuable Papers and Records - $50,000
  • Accounts Receivable - $25,000
  • Fire Extinguisher Recharge - $1,000 (no deductible applies)
  • Outdoor Signs - $3,500 per sign in any one occurrence
  • Earthquake Sprinkler Leakage - $10,000
  • Loss of Use of Modifications Made to a Building You Do Not Own - $50,000 in addition to the Contents and Equipment Limit
  • Water - $30,000 (total limit for water damage and Business Income/Extra Expense related to water damage)
  • Business Income and Extra Expense - $100,000 in addition to the Contents and Equipment Limit - 72-hour waiting period, no coinsurance applies
  • Utility Services (Business Income and Extra Expense) - included in $100,000 BI/EE limit
  • MRSA (Methicillin-Resistant Staphylococcus Aureus) Contamination (Business Income and Extra Expense) - included in the $100,000 BI/EE limit
  • Optional coverage for glass is available, up to a $25,000 limit, for a flat charge of $250

The above Program Summary information is offered as a snapshot of the coverages provided through the FastCov online insurance program. For a complete description of coverages and exclusions, the policies should be read and reviewed in detail. The precise coverage afforded is subject to the terms and conditions of the policies as issued.
American Specialty