Dance Instructor Insurance: Cost & Quotes From 11

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Consider purchasing insurance similar to what gym instructors and yoga instructors do. Insurance is important if you want to work confidently as a dance instructor. You might also need this before getting hired as an independent contractor of a dance studio. 

Dance instructor insurance provides the best protection. This is a bundled insurance plan consisting of numerous insurance policies that cover bodily injury claims, negligence claims, licensing board investigations, income loss, and other exposures. Read this guide to:

• Know the cost of dance teacher insurance

• Learn how each type of business insurance for dance instructors works and compare quotes

• Know the pros and cons of the best dance teacher insurance companies

Liability Insurance For Dance Teachers

You need general liability insurance just like crossfit instructors and pilates instructors. General liability insurance acts as a quick countermeasure in case a student, landlord, or any other third party holds you liable for bodily injuries or property damage. Use the table above to compare the quotes for dance instructor liability insurance.

About 100% of dance instructors purchase general liability insurance. Here are some example situations where this inclusion in employed and independent dance instructor insurance is helpful:

• You injured a student by landing on his feet while demonstrating a flip

• A student demands compensation after sustaining injuries while executing a routine

• A spectator gets hurt by a defective prop while you and the students are performing live

General liability insurance grants the money you can use to cover the resulting expenses of bodily injury claims and property damage claims, such as:

• Medical treatments

• Reimbursements for financial losses

• Settlements

• Attorney fees, court filing fees, and other defense costs

• Court judgments

Dance teacher liability insurance might come with additional perks. It’s common for insurance companies to add extensions and floaters to general liability insurance that cover:

• Bodily injuries or property damage that third parties attribute to past dance classes you were in charge of

• Damage to the equipment and building of the dance studio you’re leasing or working for as an independent instructor

• Vehicular accidents you caused while driving a rented or borrowed automobile

By the way, you can get a short-term general liability policy from companies that offer freelance dance instructor insurance programs. Short-term general liability insurance grants coverage for hours, weeks, days, or months. This can be canceled or paused, depending on how it’s designed.

Public Liability Insurance For Dance Instructors

Public liability insurance for dance instructors is another policy that grants protection against claims for bodily injuries or property damage.

You can’t find an insurance company that offers this as a stand-alone policy in the USA. Instead, public liability insurance for dance teachers is sold as part of general liability insurance or events insurance.

Professional Liability Insurance For Dance Instructors

Just like spin instructors, dance instructors can face liability over their actions, advice, and treatment of students. And so, professional liability insurance is as important as general liability insurance. Use the table above to compare the quotes of professional liability insurance for dance teachers.

About 72% of dance instructors purchase professional liability insurance. Professional liability insurance covers settlements, defense costs, and court judgments when a student accuses you of:

• Negligence

• Misrepresenting your experience and portfolio as a dance instructor

• Giving inaccurate advice

• Failure to provide assistance while teaching dangerous dance routines

• Verbal abuse

Some insurance companies that only cater to the needs of dance professionals underwrite a professional liability policy in their pole dance instructor insurance plans that also covers:

• Molestation and sexual abuse

• Investigations and lawsuits from licensing boards

Note that professional liability insurance for dance teachers, private personal trainers, and online personal trainers is available as a stand-alone policy, meaning that you can purchase it without buying any other types of insurance. But some insurance companies sell this as an optional or automatic add-on to general liability insurance.

Commercial Property Insurance For Dance Instructors

Commercial property insurance must be a part of a dance class insurance program if you’re an instructor who owns or leases a dance studio. Use the table above to compare the quotes of commercial property insurance.

The idea is, you can’t hold classes if something happens to the studio and you have no other means of rebuilding or repairing it. This is why you get commercial property insurance.

Commercial property insurance for dance instructors, aerobics instructors, and barre instructors sees to it that you can continue teaching and earning money even if your studio gets damaged or destroyed because of:

• Fire

• Theft

• Vandalism

• Civil commotion

• Riot

• Volcanic action

• Lightning

• Sinkhole collapse

• Weather

• Impact

• Aircraft

• Vehicle

• Falling objects

Your dance studio’s contents are also covered by commercial property insurance aside from the building. In other words, this insurance will reimburse your losses if the furniture, speakers, laptops, and other valuables in the studio get damaged or destroyed because of the perils above.

A dance instructor’s commercial property insurance usually comes with add-ons. See to it that yours has any or all of these:

• Inland marine floater

• Business interruption floater

• Employee dishonesty floater

Tools And Equipment Insurance For Dance Instructors 

Commercial property insurance only covers laptops, speakers, and other portable items while they’re on the premises of your dance studio. 

This is why you need to get tools and equipment insurance, which provides coverage for your valuables while you’re out teaching in parks, gyms, and other dance studios. 

Use the table above to compare the quotes of tools and equipment insurance for dance instructors. 

Tools and equipment insurance covers repair or replacement expenses if your laptops, speakers, and other valuables get lost or damaged because of:

• Fire

• Theft

• Vandalism

• Mysterious disappearance

• Impact

• User error

Commercial Auto Insurance For Dance Instructors 

Do you move from place to place using your car to teach in different dance studios? If this is the case, consider adding commercial auto insurance to your dance class insurance plan. 

You can do many things with your commercial auto policy, provided that it’s comprehensively underwritten. These are its most common uses:

• Cover medical treatments and reimbursements if you inflicted third parties with bodily injuries or property damage in a vehicular accident

• Pay the repair or replacement of parts if your car gets damaged because of a collision, fire, theft, weather, and other covered perils

• Cover your medical treatment in case an uninsured/underinsured driver rams your car 

• Reimburse extra expenses if you need to rent a car or take public transport because your car is being repaired

Workers Compensation Insurance For Dance Instructors 

As your career and income as a dance instructor stabilize and grow, you will eventually hire employees. Of course, this means that you purchase workers' compensation insurance. 

Workers' compensation insurance is an effective deterrent for financial losses if your employees sustain fractures, musculoskeletal disorders, and other occupational injuries. 

By having a worker's compensation policy in dance fitness instructor insurance, you can provide employment benefits and help an employee cover:

• Medical treatments

• Hospitalization

• Medication

• Rehabilitation and retraining

• Lost wages

• Funeral expenses and allowance to dependents in case of death

There’s no need to get workers' compensation insurance if you don’t have employees at present. However, if you don’t have health insurance, then it’s a good idea to get workers' compensation insurance and name yourself as an insured. 

Employer’s Liability Insurance For Dance Instructors

It’s smart to get employer’s liability insurance if you’re worried about lawsuits that employees might file against you. 

Employer’s liability insurance covers settlements, defense costs, and court judgments if an employee sues you for negligence after sustaining a work-related injury or disease. 

Most dance teacher’s insurance plans already include employer’s liability insurance in workers' compensation insurance.

Dance Instructor Insurance Cost

The average dance instructor insurance cost is $22 per month or $264 per year for a $1 million general liability insurance. This estimate assumes that you have no employees and make $100,000 per year. 

Factors that affect the cost of premiums are business size, business history, number of employees, revenues, location, claims history, and more. Here’s another table showing the rates of the best dance teacher insurance companies:

Compare quotes to get a better idea of your rates. Click the “Get Quotes” button on this page to start.