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Why do dance instructors need insurance?
Your goal is to share your passion for dance, but teaching has its risks. From a stress fracture at a ballet class to a sprained ankle during a dance recital, an injury could lead to a lawsuit. Business insurance helps pay for legal costs if you're sued, and helps you comply with state laws and contract terms.
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Dance instructors can save money on insurance by comparing quotes from top-rated providers.
Fill out Insureon's easy online application to get free quotes and advice from a licensed agent.
What types of insurance do dance instructors and teachers need?
These insurance policies cover the most common risks for dance teachers.
Business owner’s policy
A business owner's policy, or BOP, is a cost-effective way for dance instructors to buy general liability coverage and commercial property insurance together.
BEST FOR
- Bodily injuries from accidents
- Customer property damage
- Stolen or damaged business property
General liability insurance
A general liability insurance policy covers basic third-party risks, such as a student slipping and breaking a wrist at your dance school. Bundle it with property coverage for savings in a BOP.
BEST FOR
- Slip-and-fall accidents
- Damaged customer property
- Libel and other advertising injuries
Professional liability insurance
Professional liability insurance covers financial losses related to the quality of your work. It’s sometimes referred to as errors and omissions insurance (E&O).
BEST FOR
- Professional negligence lawsuits
- Injuries from your instruction
- Work mistakes or oversights
Workers’ compensation insurance
Most states require workers' comp for employees hired by a dance instructor. It also protects sole proprietors from work-related medical bills that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Employee injury lawsuits
Commercial auto insurance
Commercial auto insurance covers the cost of an accident involving a dance instructor's business vehicle. Each state has its own requirements for auto liability insurance.
BEST FOR
- Property damage caused by your vehicle
- Lawsuits from an auto accident
- Vehicle theft and vandalism
Cyber insurance
Cyber liability insurance helps your dance company recover financially from data breaches and cyberattacks. It's strongly recommended for any business that stores customer information.
BEST FOR
- Customer notification costs
- Fraud monitoring services
- Cyber extortion payments
Looking for different coverage? See more policies.
How much does insurance cost for dance instructors?
A dance teacher who works independently can expect to pay less for insurance than a larger business.
Factors that affect dance instructor business insurance costs include:
- Types of classes offered, such as ballet, swing, Zumba, or Pilates
- Business property and equipment
- Business income
- Location
- Types of coverage purchased
- Per-occurrence and aggregate coverage limits
- Deductibles
Strengthen your business with insurance
View video transcript.
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How do I get dance instructor insurance?
It's easy to get dance instructor insurance or dance studio insurance if you have your company information on hand. Our application will ask for basic facts about your small business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application.
- Compare insurance quotes and choose policies.
- Pay for your policy and download proof of insurance.
Insureon's licensed agents work with top-rated U.S. providers to find the right insurance program for dance teachers and fitness instructors, whether you work independently or hire employees.
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FAQs about dance instructor insurance
Review answers to common questions about dance instruction insurance.
How do I insure dance equipment that travels with me?
To protect dance equipment that travels with you, you'll need to buy inland marine insurance. This policy protects portable items like sound systems and ballet barres from theft and damage while you're on the road. It also covers items while they're used at another venue or stored off-site.
You may need this policy because commercial property insurance only covers your building and property stored at your business location. Inland marine insurance will reimburse you for damaged, lost, or stolen equipment, regardless of where you take it.
This coverage can typically be added to your commercial property policy or business owner's policy.
What are common exclusions for dance instructor insurance?
Dance instructor liability insurance sometimes has the following exclusions:
- Athletic participant exclusion: If you hold dance competitions or public recitals, your general liability policy (sometimes called public liability insurance) likely excludes injuries and other liability claims related to the event, such as training injuries.
- Communicable disease exclusion: Most types of business insurance exclude coverage for communicable diseases. That means you could end up paying out of pocket for a business interruption related to COVID, or a lawsuit over an illness that spread during a dance class.
- Designated premises exclusion: Premises liability insurance with this exclusion, in particular general liability, is only valid on your business premises. If you take your students outside for a dance lesson, your insurance company might deny a claim.
- Age restrictions: Your insurance coverage might only be valid for dancers of a certain age. If an accident involves a younger dancer, your claim could be denied.
These are only a few of the exclusions that dance teachers might see on their policies. It's best to speak with a licensed agent to make sure your policies include the coverage you need.
Can I get insurance if I teach at multiple dance studios?
Yes, there are two ways to get coverage when you work at multiple locations:
- You can add the other dance studios as an additional insured on your own policy.
- You can ask the studios or venues to include your name on their policy.
It's important to make sure you're covered at each location where you teach, as otherwise you could end up responsible for expensive medical bills or legal defense costs.
Dance instructors who post photos or videos of their dance classes on social media need to protect themselves with social media insurance. Fortunately, this coverage is usually included in general liability insurance.
If you post a photo of a dancer without their permission, or use music on a video without the performer's permission, you could face a lawsuit. General liability coverage helps pay for advertising injury claims, including libel, invasion of privacy, and copyright infringement.
In the event of a lawsuit, this policy will help pay for attorney's fees, court costs, settlements, and court-ordered judgments.