FAQs


Are 'substitutions' automatically covered if I am ill/on holiday?
No, any person who will be taking classes/sessions/courses in your absence should have a policy in their own name to protect them against claims for negligence whilst providing coaching/tuition/advice.

^ Back to top


 

What does annual turnover mean?
Annual Turnover is what you earn from your dance work each year before you pay out for anything such as hall hire, wages, rent etc.

^ Back to top


 

I earn £36k a year - teaching dance accounts for £10k. Which category do I fit in?
When we say turnover it means what you earn from Dance work alone - not including any other jobs you have in other sectors so this person would choose the category with turnover under £25k.

^ Back to top


 

I'm a freelance dance worker and I bring in approx £28k a year but I pay myself only £15k, which category do I fit into?
You fit into the category with turnover between £25-£35k, regardless of take home pay.

^ Back to top


 

Does this insurance cover me for my Somatics and Mind Body Centring work?
Yes.

^ Back to top


 

Will this cover me for the musical theatre class I run at the weekends?
If the class is part of your regular dance work then yes. If you are teaching musical theatre exclusively then no.

^ Back to top


 

Will it cover my dance performance?
Yes, where this performance is specifically related to your dance instruction.

^ Back to top


 

Can I join on the scheme later in the year as I don't need insurance yet?
Yes certainly. You can pay a pro-rata amount for the remaining year to the end of March and then renew for the full year in April should you wish to. There are 3 periods of joining, please see the membership/joining page for further info on this. All Professional Individual memberships will be due for renewal by 31 March each year.

^ Back to top


 

Will this insurance cover me for teaching dance in Europe?
Yes, the protection does cover you for teaching worldwide, but there are exceptions in USA and Canada, so please refer direct to Howden in those cases.

^ Back to top


 

What if I don't want the insurance but still want to stay a member?
You can stay on the scheme until it is due for renewal and then you can move to the Associate Membership Scheme.

^ Back to top