DT: What is Public Liability and why is it important?
Gail McGeachy: Unfortunately, Liability claims happen more often than you may think. A phrase that we hear a lot is “I’ve been in business for years and never had a claim”.
Did you know that even if you believe you haven’t done anything wrong someone can still lodge a claim against your Business? We have helped many of our clients through the claim process, one in particular where our Insured was found not a fault at court so no wrong doing on their part but the legal and other costs amounted to nearly $400,000….which were paid in full by the Insurer.
Nowadays people are more aware of the litigation process and as such we are seeing more claims being lodged; it is imperative that you are aware of not only the type of insurance policies that you have but also any additional covers or exclusions that may apply.
Not all policies are the same and therefore may not cover your specific requirements as a Studio Owner, Instructor or Freelance Contractor, Performer etc.
Our goal is to provide you with the information that you need to make an informed decision about insurance to protect your business. Our qualified expert team is available to answer any questions that you may have.
1300 552 205
Dance & Performing Arts Insurances
for Teachers / Instructors, Students / Members, Artists, Schools, Studios,
Associations, Festivals, and many other activities and Performance Events
About DanceSurance International
DanceSurance as it is now known started in 1970, when several of Australia’s leading Dance Studio principals approached Dennis Foley, a prominent Amateur champion who by profession was an insurance broker, asking him if he knew of any insurance facility which provided insurance for dance, particularly Public Liability, which would cover their needs at reasonable prices, not what insurance companies were prepared to offer, at their very high premiums.
Dennis, the son of former Australian champions Charles and Shirley Foley who also had a leading Melbourne studio, had been raised in the dance industry, quickly established that providers simply didn’t understand the dance industry and that was why their covers were inappropriate and premiums so expensive.
Accordingly as he was uniquely experienced and qualified in both industries, and had a long term interest in them, he decided to draft a suitable Public Liability policy, and then after sourcing a secure underwriter who was prepared to write cover at more appropriate rates (on a trial basis), and offered it to all who were interested.
The membership grew rapidly, and the cover has continually been improved and broadened to include many Performing Arts activities. Similar policies for other classes of business such as Student Accident, Business (Fire, Burglary, Glass, Money, etc.), Freelance Contractors Liability & Personal Accident Cover, etc. were also established.
Our team at DanceSurance are uniquely qualified, experienced and have a passionate desire to continue to give our clients the absolute best possible service, covers and premiums; and our clients positive feedback and referrals together with the support of our approved Lloyd’s Underwriters by way of continuously very competitive rates and claims service, continues to strengthen our market position as Australia’s Dance & Performing Arts Insurance experts.