Dance Insurance

So what’s the big deal about dance insurance?  Well, listen to this news story.  In February 2003, about 100 people and 200 more were hurt in a fire at a Rhode Island nightclub.  Because of poor safety measures and a heavily pyrotechnic band set, an accidental blaze began that spread quickly throughout the club.  Many people were trapped and trampled on as they ran for the exits, which were mostly locked.  News footage of the fire was played all over the United States and national attention was paid to the tragedy.  Because the club’s owners were not properly insured, they had to pay over $1 million in damages.  Four of their own employees even died in the accidental fire and resulting stampede.

• Cover for employee injuries
• Coverage for patron injuries
• Damage to musical equipment
• Damage to club property
• Closure because of natural disasters or other unpredictable circumstances

When we mentioned earlier that dance floor insurance could be expensive, we meant it – but it’s still worth it.  You do not want to be on the news as the next uninsured owner of a nightclub where some awful tragedy has just taken the lives of dozens of people.  You might have to pay about a dollar per month for each square foot of floor space (which can mean that you have to pay several thousand dollars monthly), but at least you’ll be able to relax knowing that civil lawsuits and criminal charges won’t be staring you in the face tomorrow.