The Victorian Rock'n'Roll
Dance Association Inc.
Registered No: A0023069L
PO Box 58 Colac Vic 3250
Dance Association Inc.
Registered No: A0023069L
PO Box 58 Colac Vic 3250
The VRRDA logo and slogan may not be reproduced in any form without the written consent of the VRRDA Committee.
Victoria, Australia
Club and Teacher Insurance
1. Background
Insurance was one of the matters discussed at the R’n’R Dance Teachers Forum convened by the VRRDA in 2006. It was agreed that a sub committee would investigate the possibility of negotiating a better deal for coverage.
2. Findings
2.1 No Fixed Deal
We were not able to arrange a “one size fits all” coverage deal.
Insurance brokers will not give blanket quotes that apply to the whole R’n’R dance teaching field. They require that each school and club must be assessed individually.
2.2 Minimum Cover
Public Liability coverage should be for a minimum of $10,000,000.
2.3 Choices
Some teachers regard insurance just as something they need to meet venue hire requirements, others are looking for complete protection.
Teachers have a range of choices from:
a) A basic policy with liability protection.
The most affordable in this range is offered by DanceSurance Australia, Dennis Foley, (03) 9790 3555.
The indicative annual premium mentioned was $297 for $10M cover.
b) A mid range policy that might include features such as event coverage as well as property and injury cover.
RGIB has cover for $10M for up to five instructors for around $350. Stuart Brown, phone: “13 RGIB” (13 7442)
c) A comprehensive policy, that includes such add-ons as professional indemnity cover, medical costs and loss of earning protection.
The indicative annual premium quoted is $900 for $10M cover.
Rosemary Callaghan, from Instrat Insurance Brokers, 03 9244 7777 was particularly helpful to the sub-committee
3. Legal Stuff
Duty of Care - Everyone has a duty of care to everyone else; to do the things that should be done and not do the things that should not. Teachers have a special responsibility because of their leadership role.
The test is “what would a reasonable person do?” In a dance school situation it is “what would a reasonable dance teacher do?”
In the case of a major claim investigators might approach a number of dance schools to see what safety precautions the industry might generally be expected to take.
Few matters are black and white when it comes to legal determinations.
Teachers may be liable for damage where negligence/breach of the duty of care is proven.
Even the best prepared and thoughtful teacher can't prevent accidents from ever occurring.
Insurance is not a substitute for risk management.
A teacher should always do everything reasonably within their power minimize the chance of accidents occurring.
Insurance is needed to protect teachers from financial loss in the event of an adverse liability finding.
4. Risk Management
Just as you drive with care even though the vehicle has seatbelts and airbags, so you manage your risks even if your school has insurance.
Good teachers will prepare in advance things like:
·A venue safety check list.
·Ensuring that students have appropriate footwear and clothing.
·Rules of behaviour.
·Class size limits.
·Lesson planning.
·First Aid and an emergency plan.
·Enrolments and sessional record keeping.
·Equipment safety.
·Special preparations when teaching higher risk dance moves.
5. Thank You
Specialist support to this project was provided by Linda from Rock’n’Roll with Linda. Linda, a VRRDA Judge, has been teaching in the Ringwood area for more than 15 years and is very well regarded by her students.
Insurance was one of the matters discussed at the R’n’R Dance Teachers Forum convened by the VRRDA in 2006. It was agreed that a sub committee would investigate the possibility of negotiating a better deal for coverage.
2. Findings
2.1 No Fixed Deal
We were not able to arrange a “one size fits all” coverage deal.
Insurance brokers will not give blanket quotes that apply to the whole R’n’R dance teaching field. They require that each school and club must be assessed individually.
2.2 Minimum Cover
Public Liability coverage should be for a minimum of $10,000,000.
2.3 Choices
Some teachers regard insurance just as something they need to meet venue hire requirements, others are looking for complete protection.
Teachers have a range of choices from:
a) A basic policy with liability protection.
The most affordable in this range is offered by DanceSurance Australia, Dennis Foley, (03) 9790 3555.
The indicative annual premium mentioned was $297 for $10M cover.
b) A mid range policy that might include features such as event coverage as well as property and injury cover.
RGIB has cover for $10M for up to five instructors for around $350. Stuart Brown, phone: “13 RGIB” (13 7442)
c) A comprehensive policy, that includes such add-ons as professional indemnity cover, medical costs and loss of earning protection.
The indicative annual premium quoted is $900 for $10M cover.
Rosemary Callaghan, from Instrat Insurance Brokers, 03 9244 7777 was particularly helpful to the sub-committee
3. Legal Stuff
Duty of Care - Everyone has a duty of care to everyone else; to do the things that should be done and not do the things that should not. Teachers have a special responsibility because of their leadership role.
The test is “what would a reasonable person do?” In a dance school situation it is “what would a reasonable dance teacher do?”
In the case of a major claim investigators might approach a number of dance schools to see what safety precautions the industry might generally be expected to take.
Few matters are black and white when it comes to legal determinations.
Teachers may be liable for damage where negligence/breach of the duty of care is proven.
Even the best prepared and thoughtful teacher can't prevent accidents from ever occurring.
Insurance is not a substitute for risk management.
A teacher should always do everything reasonably within their power minimize the chance of accidents occurring.
Insurance is needed to protect teachers from financial loss in the event of an adverse liability finding.
4. Risk Management
Just as you drive with care even though the vehicle has seatbelts and airbags, so you manage your risks even if your school has insurance.
Good teachers will prepare in advance things like:
·A venue safety check list.
·Ensuring that students have appropriate footwear and clothing.
·Rules of behaviour.
·Class size limits.
·Lesson planning.
·First Aid and an emergency plan.
·Enrolments and sessional record keeping.
·Equipment safety.
·Special preparations when teaching higher risk dance moves.
5. Thank You
Specialist support to this project was provided by Linda from Rock’n’Roll with Linda. Linda, a VRRDA Judge, has been teaching in the Ringwood area for more than 15 years and is very well regarded by her students.
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