Insurance for pole dancing instructors - What you should know.
As a pole-dancing instructor probably the most important element of insurance cover is against potential public liability and professional indemnity claims made by your clients.
For example you could give a class where someone injures himself or herself and decides to sue you, alleging that the injury was sustained as a result of your incorrect instruction.
Most liability claims occur many months, even years after the alleged incident actually took place.
If they were successful in this action then the courts could award damages against you. Without insurance you could be facing a large bill and potentially the end of your business and livelihood.
PDC has developed policies that are specifically tailored to meet the requirements we feel a pole-dancing instructor needs. Not only does it include Liability cover at either £2 million or £5 million, but also as standard includes Professional Indemnity cover for £1m.
If you purchase a Standard Tradesman Liability policy then this will not include automatically Professional Indemnity cover and many also include excesses dependent on which section of the liability policy you cover.
This PDC Approved cover gives you:
• Public Liability - covers you for damages and legal costs arising out of third party injury or third party property damage, and for products sold and supplied including refreshments
• Professional Indemnity – covers you for breaches of professional duty arising from negligent acts, errors or omissions
As a pole dancing instructor an important element of insurance cover is against professional indemnity claims.
• Occurrence Based Liability cover – A unique feature under the liability cover. This means cover can extend up to three years after the date of any incident (subject to the laws pertaining at the time); an important benefit when you consider most liability claims occur many months, and sometimes years after an alleged incident
• There are no policy excesses – so in the event of a claim there is nothing you need to pay up front.
Top tips:
• Check that your cover is appropriate. Do you have cover for all the activities you are qualified to teach? If not contact your insurer and get them added to your policy. This PDC Approved cover allows you to add new qualifications to your policy without increasing your premium ensuring you are fully covered at all times.
• Keep a note of your renewal date so you have time to compare policies with other providers.
• Check public liability insurance is written on an occurrence basis not ‘claims made’.
• If you teach at leisure centres or sports clubs, who is responsible for ensuring insurance cover is in place? Is it you or the centre? Don’t get caught out – check the details before you enter the studio!
• Some insurers can include Personal Accident cover in the policy at a small additional cost; a valuable benefit.
To apply online for the PDC Approved Pole Dance Instructor Insurance click here
If you have any problems with the online form or if you want to ask a question not covered in this page, please contact us and we will be pleased to assist you with your enquiry.