Dance Instructor Insurance
Get top-rated dance insurance for classes, one-on-one sessions, and more.
What is Dance Instructor Insurance?
Dance instructor liability insurance is a unique coverage designed to help you pay for accidental injuries and damages that occur while you’re teaching a class or running your business.
If a student breaks an ankle during a private lesson or accidentally rips the stage curtains during a rehearsal, dance insurance may help you cover the cost of medical bills, legal fees, repairs, and more.
Insurance Canopy covers you while teaching 300+ styles of dance, fusions, and children’s classes in most locations, including online and virtual classes. We can also help you insure your gear, such as costumes, props, and speakers.
Our nationwide coverage* lets you comfortably work in more than one place, such as studios, your home, community centers, and gyms.
How Much Does Dance Instructor Insurance Cost?
You can buy a dance teacher insurance policy for as low as $15/month or $159/year through Insurance Canopy.
Our base dance class insurance plan includes general and professional liability insurance. You can also add on optional coverages to better meet your needs, such as equipment coverage for just $1.33/month.
Do I Need Liability Insurance As A Dance Teacher?
You never know when a student might mistakenly pirouette into another person or backflip into a wall mirror. Studios might even require you to have liability insurance before they can hire you.
Having dance insurance may help you:
- Pay for most, or all, of a claim
- Stay eligible to teach in most studios
- Protect your equipment and gear
- Insure online and virtual classes
- Cover future claims, even after your policy ends**
You can buy a policy online in minutes and enjoy instant, same-day coverage with Insurance Canopy.
Coverage Details
General & Professional Liability Limits
$3,000,000
$3,000,000
The amount your policy will pay for claims arising out of one or more of the following offenses:
– False Arrest, detention or imprisonment
– Malicious prosecution
– Wrongful Eviction or Wrongful Entry
– Oral or written publications that slander or libels a person or organization
– Oral or written publication or material that violates a person’s right of privacy
– The use of another’s advertising idea in your advertisement
Included
The maximum the insurance carrier will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business and professional services.
$2,000,000
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$300,000
$5,000
The amount we deduct from a claim before paying up to your policy limits.
$100
Optional Add-Ons
Price
$1.33–$5.55/month
The maximum amount paid out in the case of a cyber attack on your business. Because this coverage is not automatically included in the standard General Liability Policy, you will need to opt into this coverage. See the application for additional coverage details for Cyber Liability Insurance.
$8.25/month
$6.83/month
Coverage for a third party, such as a business, property owner, event organizer, or employer who could be named in a claim arising from your business operations. It cannot be used for employees, friends or family, other trainers, yourself, or other businesses you may own. Add one additional insured for $15, or choose unlimited additional insureds for $30.
$15–$30/year
Questions About Dance Instructor Insurance
Does Insurance Canopy Provide Insurance for Dance Studios?
No, we unfortunately are not able to insure dance studios at this time.
Our insurance for dance teachers is a liability policy intended for instructors and the professional work they do.
Most of the coverage applies to injuries or damages your services cause to other people and property. It may cover some property damage in rented spaces, but it does not apply to property you own.
Dance studio insurance is a type of property insurance and is meant to insure a building you own. This is best for someone who owns their own dance company and is buying property to manage studios.
If you’re an instructor operating your own small business or working for other companies, dance instructor liability insurance is perfect for you!
What Insurance Do Dance Teachers Need?
The two main types of insurance dance teachers need are General Liability and Professional Liability. We combine both of these into one simple plan to make it easier for you to get coverage quickly and affordably!
You might also want coverage beyond a base plan. The most popular insurance policies for dance teachers offer:
- General Liability: Included in our base policy, this helps cover injuries or damages that happen in the location you’re teaching in, like a parent tripping over a speaker cord.
- Professional Liability: This helps cover injuries or damages caused by your professional advice like a student getting hurt while learning a more advanced move. It’s also included in our base plan.
- Damage to Rented Premises: This coverage (which is included in our base dance teacher insurance plan) helps cover accidental damage like scuffs left on the floor of a venue you rent for a dance recital or competition.
- Gear & Equipment Coverage (optional): This helps cover the equipment you use for teaching, like dance shoes, stretching bands, and balance boards.
- Cyber Liability Insurance (optional): If you take online payments or teach virtual classes, this helps cover the cost of a cyber attack.
- Diet & Nutrition Coverage (optional): This helps cover nutrition-related work you do, like writing custom meal plans for students.
Why Should I Carry Dance Instructor Insurance?
Having coverage for claims is just one of the reasons dance teachers need insurance—you also may need it to stay eligible to teach, protect your gear, and keep you safe wherever you choose to teach. A waiver isn’t enough, but paired with insurance, you’ll have the coverage you need.
You may have noticed some dance studios and gyms already have insurance for you while others don’t. Much like a fast-paced tango, it can be hard to keep up with (especially if you teach in more than one place). This is because some business insurance policies don’t cover employees or contractors. The best thing you can do is buy your own insurance policy.
Getting dance instructor insurance is quick and easy with Insurance Canopy. You’ll get a policy in your own name, have the freedom to customize your coverage, and be able to share your Certificate of Insurance whenever you need to!
If an accident happens, you can file a claim online at any time and not have to worry about going through someone else’s insurance carrier. You can also have peace of mind knowing you’re covered for most common claims, like a student injury in class.
Why Insurance Canopy for Dance Teacher Insurance?
Insurance Canopy is a top choice for affordable, top-rated liability insurance for dance instructors. We’re proud to serve more than 10,000 dance and fitness professionals around the country!
Getting a policy with us is simple, affordable, and reliable.
- Simple – It’s easy to purchase and manage your policy entirely online at any time.
- Affordable – Choose the payment plan that’s right for you. We offer monthly and yearly options.
- Reliable – Our policy meets or exceeds the insurance requirements most studios may require.
Plus, automatically gain access to exclusive benefits designed to elevate your dance instruction business — for no added fees, with even more coming soon!
You can enjoy quality coverage and customer service today when you buy dance insurance online from Insurance Canopy.
How Do I File a Dance Insurance Claim?
- Log in to your customer dashboard
- Click on “File a Claim”
- Provide information about the incident
- Submit your claim
Once you submit, our team will be in touch within 24–48 hours. We will then send your information to a claims adjuster who will contact you within 24–48 hours. They’ll provide you with your claim number and answer any questions you may have.
With our occurrence form coverage, you can file a claim anytime for accidents that occur during your policy period (even after your coverage has ended!). Make sure you still have your policy information, documentation of the accident, and the date it happened.**
Need additional information before making a decision?
Give our team a call today at 844.520.6993
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*Not currently available in Missouri.
**All customers who purchased a policy before 7/1/2024 will have a policy issued through Great American Insurance. This policy does not include occurrence form coverage and will be eligible to receive it after 7/1/2025.
