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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.

Specialty Human Services Insurance Program by Veracity Insurance Solutions Veracity Insurance Solutions, LLC offers a specialized insurance program designed for organizations that deliver human services and improve the well-being of communities. From nonprofit agencies to social service providers, our Specialty Human Services program offers tailored coverage that helps insurance agents place challenging accounts with confidence. With proven experience in the human services sector, Veracity provides creative and flexible insurance solutions that address the unique exposures of over 200 different classes of business. Our program is supported by strong carrier relationships and is structured to help reduce risk, prevent losses, and manage claims efficiently. Ideal Accounts and Appetite This program is an excellent fit for a wide range of community-focused and service-oriented nonprofits and organizations. Common eligible classes include: Substance abuse treatment centers Group homes and halfway houses Counseling centers Adult day care facilities After-school programs and mentoring organizations Community outreach and advocacy groups If you have a client operating a residential facility for at-risk youth or a nonprofit offering behavioral health services, this program is designed to meet their complex needs. Coverage Highlights and Advantages Veracity’s Specialty Human Services program offers robust and comprehensive protection, including specialized coverages that many standard markets may overlook. Available lines include: Property General Liability Inland Marine Business Income Data Compromise Crime & Employee Dishonesty EDP/Computer Equipment Equipment Breakdown Abuse & Molestation Coverage Professional Liability Umbrella/Excess Directors’ and Officers’ Liability These coverages are designed to address real-world exposures, from data breaches to allegations of abuse, ensuring your clients have the protection they need to continue serving their communities. Underwriting Notes and Market Access Our underwriting team works closely with agents to understand the nuances of each insured’s operations. Most business is placed with admitted carriers, giving you and your clients peace of mind and compliance flexibility. We’re able to consider a wide range of account sizes, from small nonprofits to larger regional operations. While we do not list a minimum premium, we encourage you to submit accounts for review—especially those with specialized operations that may not fit standard markets. Territories and Availability The Specialty Human Services program is available in nearly all U.S. states, including but not limited to: CA, TX, FL, NY, IL, PA, and WA. We currently serve organizations in 49 states plus Washington, D.C., offering broad geographic flexibility for multi-state operations or brokers with diverse regional books. Why Work With Veracity Insurance Solutions? Veracity Insurance Solutions is a trusted carrier with deep experience in niche and underserved markets. Our Specialty Human Services program reflects our commitment to supporting community organizations with responsive service, risk management tools, and access to comprehensive coverages. Agents and brokers benefit from our underwriting support and ability to place difficult or unusual risks. Whether you're working with a startup nonprofit or an established behavioral health network, Veracity can help you secure the right protection for your clients. Frequently Asked Questions What types of accounts are a good fit for this program?Our program is ideal for nonprofits and human service organizations such as counseling centers, group homes, adult day cares, and outreach programs serving vulnerable populations. Does the program offer coverage for abuse and molestation claims?Yes, Abuse & Molestation Coverage is available as part of the program to help address high-risk exposures faced by many human services organizations. Is this program available nationwide?The program is available in 49 states and Washington, D.C., offering broad availability across the U.S. Are both small and large organizations eligible?Yes, we can accommodate a range of account sizes, from small local nonprofits to larger regional service providers. Can I submit an account if I’m unsure it fits?Absolutely. Our underwriters are available to review and discuss unique or borderline submissions to determine eligibility. Need help placing an account? Connect with a market specialist.

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