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...een designed for U.S.-based dance schools and other organizationsn specializin...

...ake it easier for agents to place schools, educational and training organizati...t for this program?Nonprofit-run day schools, preschools, after-school programs, tutoring ...

... instructors only) - Aerobic instructor insurance ...

... medium-sized fitness facilities: aerobic studios, weight lifting gyms, dance ...ependent trainers, boutique studios, aerobic and dance studios, small gyms, an...

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Sports & Fitness Insurance Corp. offers a specialized commercial liability program for dance studio owners and dance professionals. Built for the common exposures of instruction, rehearsals, and performances, this program can be tailored for private lessons, group classes, and both adult and youth recitals. Ideal Accounts and Appetite This program is well suited for traditional dance studios of all sizes, including single-instructor operations and multi-studio academies. Typical dance styles we frequently place include ballet, jazz, tap, modern, hip-hop, ballroom, and similar disciplines. Coverage can be structured for studios that operate in leased spaces or owner-occupied buildings. The program is not designed for accounts that regularly use trampolines or provide Olympic-style gymnastics training. When those activities are present, please consider alternative markets. Coverage Highlights and Advantages The Dance Studios program delivers a focused liability package designed for the exposures common to dance operations: Premises Liability for slips, trips, and on-site injuries Professional Liability for instructors and teaching staff Advertising Liability Third-party Property Damage Sexual Abuse and Molestation coverage Medical Payments for minor on-site treatment Coverage applies to both adult and youth classes and extends to off-premises events such as recitals and competitions. Certificates of insurance for off-site performances are included automatically with the policy. Property coverage is available on a special form with replacement-cost options, including theft protection. Building and contents fire insurance can also be placed at competitive rates, though some coastal locations may face additional restrictions. Underwriting Notes and Minimum Premiums Underwriters review class types, average class size, student ages, instructor credentials, facility details, and revenue to determine eligibility and pricing. Minimum premiums vary by state and account characteristics—underwriting will confirm based on the risk profile. High-risk features such as trampoline use or competitive gymnastics will typically render an account ineligible. Territories and Availability This Dance Studios program is available in all 50 states and Washington D.C., with both admitted and non-admitted placement options depending on the state and the account. Use this program for local single-state risks or multi-state clients—coverage options are flexible to match each jurisdiction's requirements. Why Work With Sports & Fitness Insurance Corp. Sports & Fitness Insurance Corp. is an experienced Managing General Agency focused on fitness and recreation classes. Agents benefit from specialized underwriting familiarity with dance exposures, responsive service, and access to multiple carrier options. The MGA’s team can often bind quickly and issue COIs for off-site events without lengthy endorsement requests. Frequently Asked Questions What types of accounts are a good fit for this program?Traditional dance studios offering instruction in ballet, tap, jazz, modern, hip-hop, ballroom, and similar disciplines are a good fit. Both youth and adult-focused operations are eligible. What coverages are included in the Dance Studios program?The program includes premises liability, professional liability, advertising liability, property damage liability, sexual abuse and molestation coverage, and medical payments. Property coverage is available as an option. Are off-site dance events like recitals covered?Yes. Certificates of insurance for off-premises recitals and performances are included automatically with the policy. Are there any exclusions I should be aware of?Yes. The program excludes operations involving trampolines or Olympic-style gymnastics. Coastal property placements may also have special restrictions. In which states is this program available?The program is available in all 50 states and Washington D.C., with admitted and non-admitted options depending on the state and the risk profile. Need help placing an account? Connect with a market specialist.

Experts in Workers' Compensation, Midlands has assembled an experienced team of underwriters able to deliver the right Workers' Compensation Insurance at competitive rates for small- to medium-sized risks. We understand the complexity of the market and can provide multi-state solutions with flexible payment options and fast turnaround. Program overview Midlands' Workers Compensation Insurance for Small Business is a targeted program designed to protect your clients’ greatest assets — their people and their businesses. The program pairs market access with practical underwriting and loss-control strategies to help reduce payroll volatility and support quick return-to-work outcomes. Program Highlights: • Minimum premiums as low as NCCI minimums • E-Mods accepted from 0.60 to 1.75 • New ventures are considered • Flexible payment plans, including pay-as-you-go options • Ineligible risks include: staffing & PEOs, oil & gas, cranes, roofing, work at heights over two stories, and long-haul trucking • 10% premium discount when Workers' Compensation and a Business Owners Policy (BOP) are written together • Appetite focused on light to moderate risk classes • Program promotes employee safety and return-to-work strategies to help control loss costs In addition to the Workers' Compensation monoline, you can offer clients broader protection by bundling coverages under one policy: • Business Owners Policy (BOP) • Employment Practices Liability (EPL) You can enhance your clients’ coverage and save them money with a 10% discount when both Workers' Compensation Insurance and a BOP policy are bound together. Note: this program is designed for a specific line of target classes (see list below). Target Classes: • Retail • Hotel • Restaurant • Auto Body • Artisan Contractors • Healthcare • Church/School • Barber Shop • Transportation • Auto/Truck Dealer • Clerical • Carpentry • Grocery • Machine Shops • Landscaping • Country Club/Golf • Dry Cleaners • Auto/Truck Repair • Day Care • Florist • Law Office • Light Manufacturing • Other classes considered Typical fits include new or growing small businesses that operate in light- to moderate-exposure industries — for example, a neighborhood restaurant hiring seasonal staff, a landscaping company expanding its crew, or a small day care opening a second location. Those accounts benefit from tailored payroll handling, loss control support, and the option to bundle property and liability with Workers' Comp. Underwriting notes and minimum premium Underwriting focuses on class mix, payroll accuracy, and safety practices. New ventures are reviewed on their operations and controls. Minimum premiums start at NCCI minimums; E-Mod considerations typically range from 0.60 to 1.75. Risks outside the appetite (see Program Highlights) will generally be declined or referred. Territories and admitted status Midlands provides coverage in all available states, including major markets such as CA, TX, FL, and NY, and is positioned to place admitted business where appropriate. Contact Midlands to confirm availability and admitted vs. non-admitted options for a specific state. Why place this business with Midlands? As a Managing General Agency and carrier, Midlands combines access to multiple markets with deep underwriting expertise. Agents get: Dedicated underwriters who understand small-business exposures Fast turnaround and responsive service Flexible payment structures, including pay-as-you-go Bundling opportunities to reduce client premium Let Midlands' underwriters support you in placing small-business Workers' Compensation risks with confidence. For program details or to become appointed, email: [email protected] Our team of experts is here to help! Frequently Asked Questions What types of accounts are a good fit for this Workers' Compensation program?This program fits light- to moderate-risk small businesses such as retailers, restaurants, artisan contractors, healthcare providers, daycare centers, and similar operations. Are new ventures eligible for coverage?Yes. New businesses are considered, subject to underwriting review of operations and safety controls. Which states is this program available in?The program is available in a wide range of states, including CA, TX, FL, GA, IL, and many others. Contact Midlands to confirm availability in a particular state. What coverages can be bundled for additional savings?You can bundle Workers' Compensation with a Business Owners Policy (BOP) and receive a 10% discount when both are bound together. What types of risks are ineligible for this program?Ineligible classes include staffing & PEOs, oil & gas operations, crane operations, roofing and work above two stories, and long-haul trucking. Need help placing an account? Connect with a market specialist.

... Dance, language, and music schools Electronics and specialty re...