PROFESSIONAL DEVELOPMENT > INSURANCE
INSURANCE
Unfortunately we live in a litigeous society, some countries more than others and some states more than others. The level of coverage and the type of coverage you may need will vary.
PERFORMERS INSURANCE
Performers Insurance is required by many venues. The cheepest one I’m aware of runs about $300 a year. Basically it is a policy that will cover medical costs that result from an injury you inflict on an audience member during your performance. It usually covers property damage your act inflicts on to the venue. You can also purchase extra coverage for your apparatus, should it be damaged or stolen. More information about specific policy coverage can be obtained by getting a quote from the list of insurers.
TEACHING INSURANCE
… Coming Soon
STUDIO INSURANCE
Prepare yourself for sticker shock. It aint cheep and rates keep going up. As far as I can tell, this little fact isn’t mentioned up front by any of the Teacher Training Courses I’ve looked at.
If your goal is to add aerial classes to you dance or gymnastics Studio, research the cost of insurance and what safety measures you can implement to mitigate risk and keep your policy cost as low as possible. For example, some policies don’t insure a rig point above 15 feet. How high are your ceilings?
If you plan on working as a teacher at an established Studio, ask to see a copy of their insurance policy. Many Studios’ aerial insurance policy only cover employees and will not cover you if you are an independent contractor. You would then be obliged to carry your own teaching insurance. To learn the distinction between an independent contractor and an employee in the State of Tennessee click here.