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Business Insurance for Dance Instructors & Studios
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Dance Instructor
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Why do dance studios 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 expenses if you're sued. It covers the costs of accidents and lawsuits, and helps you fulfill the requirements of state laws and commercial leases.
Find affordable coverage
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 studios need?
These insurance policies cover the most common risks for dance teachers.
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
Business owner’s policy
A business owner's policy, or BOP, is a cost-effective way for dance instructors and studio owners to buy general liability coverage and commercial property insurance together.
BEST FOR
- Bodily injuries from accidents
- Customer property damage
- Stolen or damaged business property
Professional liability insurance
Professional liability insurance covers financial losses related to the quality of your work. For example, it will pay for legal defense costs if a student claims your dance class caused an injury.
BEST FOR
- Professional negligence lawsuits
- Injuries from your instruction
- Work mistakes or oversights
Workers’ compensation insurance
Most states require workers' comp for dance studios that have employees. 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 vehicle owned by your dance studio. 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.
Strengthen your business with insurance
View video transcript.
There's healthy...and then there's business healthy. Strengthen your small business with the right insurance protection..
Small business insurance provides the support you need for heavy lifting.
On the job, it always helps to know you have a strong base. And we've got your back with top-rated policies at affordable prices.
No matter what big roles your small business has, this is probably the easiest box you can check.
Start your application now. Get your policy same day, and smash those goals.
Insureon. Protection is peace of mind.
How much does insurance cost for sports and fitness professionals?
A dance teacher who works independently can expect to pay less for insurance than a dance studio.
Factors that affect premiums include:
- Sports and fitness services offered
- Business property and equipment
- Business income
- Types of coverage purchased
- Policy limits and deductibles
How do I get dance instructor insurance?
It's easy to get dance studio insurance coverage 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 a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right coverage for your dance studio, whether you work independently or hire employees.
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