Here are some potential scenarios where fitness & dance instructors insurance would provide protection:
Scenario 1: All the participants are quickly learning the Zumba class moves. Just minutes before the cool down, a woman nearly trips on her shoelace and bends down to tie it. However, she does not move to the side of the room, and she causes several other class members to run into each other. Most participants escape with minor bruises, but one person fractures her wrist. She incurs significant medical bills and misses time from work. She demands the instructor pay the medical bills and lost wages, alleging the class should have been warned that if you stop in the middle of class, you could injure your fellow Zumba participants. With a policy in place from American Specialty Express, the claim is quickly forwarded to, and resolved appropriately by a skilled claims adjuster.
Scenario 2: During a private lesson that included some particularly challenging skills, an elite level dancer lands a jump incorrectly. The dancer suffers a severe knee injury resulting in surgery and physical therapy. Her parents hire an attorney, and two months later the instructor is sent a request for reimbursement of $60,000 worth of medical bills. The dance instructor is thankful for her insurance coverage through American Specialty Express and forwards the claim to a team of specialists.
