Group Liability Insurance

We currently have two liability insurance policies for CDSS Group Affiliates. Neither policy is a perfect fit for all groups, but each is good in its own way. The by-the-event and special event policy runs May 1 – April 30, and the flat (by-the-year) insurance policy runs April 1 – March 31. You may join either policy at any time. Please allow us at least 3 weeks to process your application. We cannot process requests the week of your event.

Per Event Insurance (May 1 – April 30)

This policy covers contra, English country and similar dance and song events, whether they are monthly, weekly or occasional, regular dance and song series, concerts, performances, balls, workshops, festivals, holiday dances, week or weekends, residential or not, and as long as attendance is under 500 participants per event.

Coverage is $1,000,000 per occurrence, with an aggregate limit of $3,000,000 for the CDSS policy.  Premiums are $50 per calendar day. Additional insureds (see explanation below) are $30 each.

You must be a CDSS group affiliate in the USA, and your activities must include English and/or Anglo-American folk dance or song, in order to obtain this insurance.

2011-2012 Per Event Insurance: print, hand write, mail 2011-2012 Per Event Insurance: print, hand write, mail
2011-2012 Per Event Insurance: fill in, print, mail 2011-2012 Per Event Insurance: fill in, print, mail

Flat Rate Insurance (April 1 – March 31)

This second policy is underwritten by a different company and covers fewer types of events. It covers regular monthly and weekly dance and song events only. It does not cover what the insurer considers "special events" (workshops, balls, festivals, seasonal holidays such New Year's Eve dances, residential and nonresidential weekends), and it does not cover performances (coffeehouses, in-house sings, concerts, morris and sword performances, dance demonstrations); however, you may insure these special events with "Per Event" coverage (see above).

Coverage under the "Flat Rate" policy is $1,000,000 per occurrence, with an aggregate limit of $3,000,000 for the CDSS policy; fire damage is limited to $50,000, and there is a $500 deductible per item per claim whether or nor a claim is paid out. The annual premium is $430 (for full year coverage, April 1 – March 31) and $215 (for the latter half of the insurance year, October 1 – March 31); neither fee is refundable after your coverage begins. Additional insureds (see explanation below) are $30 each, regardless of when you add them.

You must be a CDSS group affiliate in the USA, and your activities must include English and/or Anglo-American folk dance or song, in order to obtain this insurance.

2011-2012 Flat Rate Insurance: print, hand write, mail 2011-2012 Flat Rate Insurance: print, hand write, mail
2011-2012 Flat Rate Insurance: fill in, print, mail 2011-2012 Flat Rate Insurance: fill in, print, mail

Additional Insureds

An additional insured is a building or location, not a person; some hall owners require that the site be listed on the certificate as an additional insured. Directors and Officers (D&O) insurance and terrorism coverage are not included with either policy.

Questions?

For more information, contact Jeff Martell: 413-203-5467 x103, jeff@cdss.org.