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First Step
Dance Teacher Insurance

firststepinsurance@gordonandco.co.uk

020 7251 2255

Home > Products > First Step Dance Teacher Insurance > Apply

First Step Dance Teacher Insurance - Apply

First Step Apply

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I confirm I am a member of One Dance. If not, I understand that this insurance will be voided.(Required)

I confirm I am a member of One Dance. If not, I understand that this insurance will be voided.(Required)

Please enter your One Dance UK membership number(Required)

Full Name(Required)

Address(Required)

Street Address Address Line 2 City County Postal code Country

Telephone Number

Email Address(Required)

I am a dance teacher(Required)

Yes

No

You have indicated that you are not a dance teacher, this product is for dance teachers. Please contact the office directly.

Do you teach children?(Required)

Yes

No

Do you teach vulnerable adults?(Required)

Yes

No

I am DBS approved or Scottish equivalent(Required)

Yes

No

Based on your answer to the above question, please contact the office directly.

I have had no claims within the last 5 years(Required)

Yes

No

Based on your answer to the above question, please contact the office directly.

Please answer to the best of your knowledge or belief if you:

Have ever had a request for Insurance cover refused or had special Insurance Policy terms imposed? Policy voided, withdrawn or suspended?(Required)

Yes

No

Based on your answer to the above question, please contact the office directly.

Have ever been declared bankrupt or insolvent or been involved in any company that went into receivership, administration or liquidation, or disqualified from being a company director? or been the subject of a winding up order, or voluntary agreement with creditors?(Required)

Yes

No

Based on your answer to the above question, please contact the office directly.

Have ever been convicted or charged (but not yet tried) with a criminal offence?(Required)

Yes

No

Based on your answer to the above question, please contact the office directly.

Have ever been given any County Court Judgements?(Required)

Yes

No

Based on your answer to the above question, please contact the office directly.

Communicable Disease Exclusion

Please note that the Public/Products Liability segment of the policy now incorporates the following exclusion:

The indemnity granted by this policy shall not apply to any loss, damage, liability, claim, cost, or expense of whatsoever nature, directly or indirectly caused by, contributed to by, resulting from, arising out of, or in connection with, the following:

A communicable disease; or
The fear or threat (whether actual or perceived) of a communicable disease regardless of any other cause or event contributing concurrently or in any other sequence thereto.

For the purpose of this exclusion, ‘communicable disease’ means any disease which can be transmitted by means of any substance or agent from any organism to another organism where:

The substance or agent includes, but is not limited to, a virus, bacterium, parasite, or other organism or any variation thereof, whether deemed living or not.
The method of transmission, whether direct or indirect, includes but is not limited to airborne transmission, bodily fluid transmission, transmission from or to any surface or object, solid, liquid, or gas or between organisms.
The disease, substance, or agent can cause or threaten damage to human health or human welfare or can cause or threaten damage to, deterioration of, loss of value of, marketability of, or loss of use of property.

This exclusion does not apply to:

Food or drink poisoning
Legionnaires’ disease (if specifically covered by an extension or endorsement applied to this policy but only to the extent of cover expressly stated as being provided under the extension or endorsement)

Demands and Needs Statement

The purpose of this statement is to set out your insurance Demands & Needs and the reasons why we have recommended the policy to you. On the basis that you are a Dance Teacher, it is our opinion that you require cover to protect you against the following risks:

Public & Products Liability
Professional Indemnity
Personal Accident

Special Requirements

Whilst the Policy offers a wide cover, it does not include cover for any equipment or Employers Liability Insurance. If either of these covers are required, we would ask you to contact us. In addition, please note our comments under the next heading.

The Limits of Indemnity: "Public/Products Liability"

It is our advice that you give very strong consideration to increasing the Limits of Indemnity under your Public/Products Liability. Currently, the Limit of Indemnity is £5,000,000 any one incident/unlimited during the period of insurance in respect of Public Liability and any one incident/in the aggregate during the period of insurance in respect of Products Liability.

The reason for this advice is because the UK Government has recently amended the Ogden rate. This has remained unaltered since 2001, during which time there has been a significant reduction in interest rates. The Ogden rate is used to calculate future losses in personal injury and fatal accident cases. The Government changed the rate initially from +2.5% to -0.75% & again in the summer of 2019 to -0.25%.

As an example, one Insurer has shown that a serious injury to a 30-year-old man earning £25,000 per year would have resulted in a claim of £2.8m for future loss of earnings and ongoing care based on a rate of +2.5%. The amendment to -0.75% meant that the total claim would have been £6.3m. Although the rate of -0.75% is no longer applicable, it is clear that even with a rate of -0.25%, the Limits of Indemnity for Employers & Public Liability need to be carefully reviewed. In the circumstances, therefore, please let us know if you would like a quotation to increase your limits of indemnity.

Our Recommendation

We recommend you purchase your insurance under the First Step scheme underwritten by Zurich Insurance Company Ltd, whose cover we consider will best fulfil your insurance demands and needs as a Dance Teacher. Our recommendation is based on the financial security of the Insurer, expertise in the Dance Insurance market, specialised Policy wording, together with the claims and Underwriting services they provide.

You cannot pay online if you have ever had a request for Insurance cover refused or had special Insurance Policy terms imposed. (Policy voided, withdrawn or suspended). Please contact the office directly.

You cannot pay online if you have ever been declared bankrupt or insolvent or been involved in any company that went into receivership, administration or liquidation, or disqualified from being a company director; or been the subject of a winding up order, or voluntary agreement with creditors. Please contact the office directly.

You cannot pay online if you have ever been convicted or charged (but not yet tried) with a criminal offence. Please contact the office directly.

You cannot pay online if you have ever been given any County Court Judgements. Please contact the office directly.

You cannot pay online if you have had any claims within the last 5 years. Please contact the office directly.

You cannot pay online if you teach vulnerable adults or children and are not DBS approved or Scottish equivalent. Please contact the office directly.

You have indicated that you are not a dance teacher, this product is for dance teachers. Please contact the office directly.

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Israel, Gordon & Co. Ltd.
2 Sekforde Court,
217 St John Street,
London, EC1V 4LY.

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enquiries@gordonandco.co.uk

T: 020 7251 2255

T: 020 7251 2255

Authorised and regulated by the Financial Conduct Authority.Registered in England and Wales. Registered Office as above.Registration No. 1003646. Directors: R M Israel ACII, G R Israel.

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