Tribe.net. Local Connections Taaj http://bellydancebiz.tribe.net/thread/54e828e0-1cdb-4621-b946-4a39357497d6#05000a81-4975-4bb3-84b1-836220946d99 2007-11-20T10:37:06Z 2007-11-20T10:37:06Z

My insurance policy provided commercial general liability, professional liability of $500,000 per occurance, damage to rented premises $100,000, personal injury $500,000, general aggegate of $1,000,000 and products at $500,000, which is what most venues require. Each additional insured instructor or venue was $35.

Taaj 2007-11-20T10:37:06Z Lara http://bellydancebiz.tribe.net/thread/54e828e0-1cdb-4621-b946-4a39357497d6#3dd4af0f-c575-473e-9a11-25f9daa52230 2007-11-20T04:27:55Z 2007-11-20T04:27:55Z

check to see what you were quoted for- professional liability insurance will run closer to $800-$1000, student liability should be $100-$350 (including misc. fees)

Lara 2007-11-20T04:27:55Z Amira http://bellydancebiz.tribe.net/thread/54e828e0-1cdb-4621-b946-4a39357497d6#fffb27c2-1127-41a6-a188-636bfc2b23b0 2007-11-19T15:18:11Z 2007-11-19T15:18:11Z

Thank you! Thank you! I'll check them out!

Amira 2007-11-19T15:18:11Z Taaj http://bellydancebiz.tribe.net/thread/54e828e0-1cdb-4621-b946-4a39357497d6#f91dbed0-ca72-42f9-bac9-26191bfa0d8c 2007-11-19T01:50:07Z 2007-11-19T01:50:07Z

http://www.myfitnessinsurance.com/ It's like $100 base fee a year plus $35 for each event (workshops, festivals, etc). Very cheap. Taaj http://www.taaj.org

Taaj 2007-11-19T01:50:07Z Amira http://bellydancebiz.tribe.net/thread/54e828e0-1cdb-4621-b946-4a39357497d6#6209e3ff-da71-47fc-b497-d524261c5f37 2007-11-19T00:32:30Z 2007-11-19T00:32:30Z

Very affordable? Where are you getting it, because I was quoted over $800 which was completely unreasonable! My insurance agent contacted 3 different companies and that was the cheapest. Please let me know where you have found it at a reasonable price, because it terrifies me that I don't have it right now. I do have students sign a waiver, but like was said in a previous post, in litigation a waiver doesn't really do much.

Amira 2007-11-19T00:32:30Z Maura http://bellydancebiz.tribe.net/thread/54e828e0-1cdb-4621-b946-4a39357497d6#39d6764d-c78b-4b32-b9d9-336349a6da18 2007-11-18T01:41:43Z 2007-11-18T01:41:43Z

Some insurance companies will want you to have students sign waivers as well.

Maura 2007-11-18T01:41:43Z katie http://bellydancebiz.tribe.net/thread/54e828e0-1cdb-4621-b946-4a39357497d6#69ff4b16-becf-4c2b-89a9-6d4041501ca3 2007-11-15T16:13:22Z 2007-11-15T16:13:22Z

Thanks for your feedback everyone!

katie 2007-11-15T16:13:22Z Zafira http://bellydancebiz.tribe.net/thread/54e828e0-1cdb-4621-b946-4a39357497d6#05feeb6d-68f6-4f26-b6aa-211f436250f3 2007-11-15T14:58:25Z 2007-11-15T14:58:25Z

I got insurance thru my agent for teaching. It is the same people that I have my homeowner's and auto insurance thru and because of that works out to about $16 per month. Definitely worth it!

Zafira 2007-11-15T14:58:25Z Taaj http://bellydancebiz.tribe.net/thread/54e828e0-1cdb-4621-b946-4a39357497d6#0f70d10e-9a67-4618-995d-62e2a63c7977 2007-11-15T12:30:06Z 2007-11-15T12:30:06Z

>>> 1. Do you have insurance ?(through the studio's coverage or personal) Yes. I think there is so much potential for bodily harm that anyone who doesnt have insurance is courting disaster. I have never had to use my insurance, but one claim could wipe anyone out, so why take the chance. It's very affordable and it allows you to do things that you couldn't (like dance in festivals) if you weren't covered. >>>> 2. Do you think I should request a larger fee in order to cover the cost of insurance?(I currently get 50% of the students fees). Yes, your expenses should be covered by the cost of the class. >>> 3. All students have to sign a waiver, so do you think I really need insurance? A waiver does not protect you from litigation- particularly if it is a poorly worded waiver. Taaj http://www.taaj.org

Taaj 2007-11-15T12:30:06Z katie http://bellydancebiz.tribe.net/thread/54e828e0-1cdb-4621-b946-4a39357497d6#abc0e506-f000-4b8b-9eb1-2d2db5a60a3b 2007-11-15T06:12:32Z 2007-11-15T06:12:32Z

So, first off, hello! This is my first post on tribe, though I have been lurking for about a month now. My question is about insurance. The studio where I am teaching does not carry insurance. Each individual instructor has there own insurance. It is a Yoga studio, so they have health/wellness insurance. I have been teaching classes there for almost a year now, and the studio director just casually mentioned the other day that I might think about getting some insurance for myself. I'm wondering: 1. Do you have insurance ?(through the studio's coverage or personal) 2. Do you think I should request a larger fee in order to cover the cost of insurance?(I currently get 50% of the students fees). 3. All students have to sign a waiver, so do you think I really need insurance? Thanks for your help, input, opinions, etc.!

katie 2007-11-15T06:12:32Z