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.
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.
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.
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.
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.