Instructors, I need advice!

Dancing Paws · 2011-06-16T22:53:33+00:00

To all you pole instructors. Is there anyone out there who rents space in a dance studio? If so, what kind of insurance coverage is required in that situation and what is the typical rate of said coverage. I have gotten 2 different quotes. One company said I would be considered a "personal trianer" and quoted me at MOST $230/ year. Another company said I need general liability, professional liability, and insurace of "my dance school" (even though I'm renting???) and quoted me $625/ year. I am so confused and it is stressing me to the point of tears. I really want to get some bellydance classes started, and when I am good enough and certified, pole classes. Also, does anyone know what kind of licenses I need? I was told a DBA, SBA, EIN, and a resale license. :*(

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Mary Ellyn · 6/20/2011
It's the US...anyone can sue you no matter where you live Don't misunderstand...being incorporated doesn't stop lawsuits any more than having insurance does. Being incorporated protects your personal assets so that for example, you don't lose your home trying to protect yourself in a suit. For those seeking professional advice, a good attorney or financial counselor will offer to do the work for you or guide you on how to do it yourself and save more money.
ivygirl726 · 6/20/2011
You can make your students sign a wavier stating that bodily harm is not your fault and they are talking their own personal safety into their own hands and you are not responsible for anything that may happen. That could cover almost all of your bases. Just an idea. Call a lawyer and check it out.
Mary Ellyn · 6/20/2011
Waivers do not prohibit lawsuits and they do not fully protect you against wrongful claims. They do however show a measure of responsiblity and that the student knew there were risks. You can still get sued and still have to pay damages if there is a sympathetic judge/jury even if you were not at fault.