Insuranks
Insuranks

Dance Instructor Insurance: Cost & Quotes From 11

For your business best protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!


For your business best protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

AND then, get even more quotes over the phone!icon

Speak with a Representative Now Call 866-929-3479

Consider purchasing insurance similar to what gym instructors, personal trainers, online personal trainers, fitness 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


CoverWalletNEXT (Best)ThimbleHiscoxInsurance CanopyInsure Fitness Group
Per occurrence limit$1,000,000$2,000,000$1,000,000/$2,000,000$300,000/$2,000,000$2,000,000$1,000,000
Aggregate limit$2,000,000$4,000,000$1,000,000/$2,000,000$300,000/$2,000,000$3,000,000$3,000,000
Products and completed operations aggregate limit
$2,000,000
$1,000,000$1,000,000$1,000,000$3,000,000$1,000,000
Advertising injury coverage aggregate limit$1,000,000$1,000,000$1,000,000$1,000,000$2,000,000Excluded
Tenant’s legal liability coverage limit$1,000,000
$100,000$100,000$100,000$300,000Excluded
Waiver of subrogation included?YesIncludedIncludedCan be includedExcludedExcluded
Hired/non-owned auto liability coverage included?YesNoExcludedCan be includedExcludedExcluded
Equipment breakdown floater included?NoYesYesCan be includedIncludedExcluded
Can you get a certificate of insurance online?YesYesYesYesYesYes
Name additional insureds?YesYes
YesYesYesYes
Deductible$0$0$0$500-$2,500$0$0


You need general liability insurance just like crossfit instructors, aerobics instructors, barre instructor, 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 of 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


CoverWalletNEXT (Best)
ThimbleInsurance CanopyInsureFitness Group
Per occurrence limit$1,000,000$2,000,000$1,000,000$2,000,000$1,000,000
Aggregate limit$2,000,000$4,000,000$1,000,000$3,000,000$3,000,000
Name additional insureds?YesYesYesYesYes
Waiver of subrogation included?YesNoYesNoNo
Claims for abuse and molestation also covered?NoNoNoNo No
Deductible$500$0$0$0$0


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 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.

Compare Cheap Dance Instructor Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

AND then, get even more quotes over the phone!icon

Speak with a Representative Now Call 866-929-3479

Commercial Property Insurance For Dance Instructors


CoverWalletNEXT (Best)ThimbleHiscox
Building coverage limit (minimum)$50,000$215,000$25,000/$500,000$25,000
Contents coverage limit (minimum)$50,000$18,000$25,000/$500,000$25,000
Outdoor signsExcluded$2,500$2,500Excluded
Accounts receivable ExcludedExcluded$5,000/$10,000Included
Money and securitiesExcluded$2,500$1,000Included
Lock and keys ExcludedExcludedExcludedExcluded
Business interruption floaterExcludedExcludedIncludedIncluded
Equipment breakdown floaterExcludedIncludedExcludedExcluded
Inland marine insurance floaterExcludedExcluded$10,000Excluded
Employee dishonesty floaterExcluded$5,000$2,500Included


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 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 

Rank and Review Insurance Companies

Help others make better decisions

Show more

Tools And Equipment Insurance For Dance Instructors 


NEXT (Best)ThimbleHiscoxInsurance CanopyInsure Fitness Group
Aggregate limit$5,000/$10,000$1,000/$5,000$5,000/$25,000$2,000$1,000
Offered as an endorsement to general liability insurance?YesYesYesYesYes
Covers hired and borrowed equipment?YesYesNoNoNo
Miscellaneous equipment also covered?YesNoYesNoNo
Deductible$500$500$0$100$0


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


Cost per MonthCost per YearDeductible
General liability insurance$22$264$0-$500
Professional liability insurance$40$480$500-$1,000
Workers compensation insurance$60$720$2,000-$5,000
Commercial property insurance$39$468$1,000-$2,000
Commercial auto insurance$50$600$500-$1,000


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:


Cost per MonthCost per YearBest for
NEXT$11$132Best overall; Fastest general liability insurance for dance instructors
CoverWallet$12$144Dance instructor insurance quotes comparison online
Insurance Canopy$12.50$150Dance instructor insurance with a free liability waiver
Thimble$14$168Short-term business insurance for dance instructors
Insure Fitness Group$15.49$186Dance instructor insurance with identity protection coverage
Hiscox$21$240General liability insurance for dance instructors with worldwide coverage


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

Compare Cheap Dance Instructor Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

AND then, get even more quotes over the phone!icon

Speak with a Representative Now Call 866-929-3479

Best Insurance For Dance Teachers

Based on our findings, the following reviewed companies offer the best insurance for dance teachers. Read to know their pros, cons, and cost of a $1 million general liability insurance. We also interlinked each review to dance instructor insurance reviews of these companies on their company page with information and so on. 


NEXT Dance Instructor Insurance

Pros

  • Best overall

  • Get an online proof of insurance and send as a text message, email, or social media post

  • Fastest general liability insurance for dance instructors

  • Great customer service and reputation

  • Issues an online proof of insurance instantly

  • Outstanding value for money

  • Bundle two or more insurance policies and get a 10% discount

Cons

  • Couldn’t find any

NEXT offers workers' compensation, general liability, commercial property, and professional liability insurance for dance instructors. The company also provides basic commercial auto insurance for dance instructors who own a car. Get quotes from NEXT or leave a personal review

Remember that with NEXT, it’s best to buy more than one insurance policy as it makes you eligible for a 10% discount. 

Best for: Best overall; Fastest general liability insurance for dance instructors 

Average cost: $11 per month

Our rating: 7/10


CoverWallet Dance Instructor Insurance

Pros

  • Compare dance instructor insurance quotes online

  • Streamlined insurance process

  • Cancel a policy anytime

Cons

  • Not an insurance company but a broker selling the quotes of its partners 

CoverWallet covers employed and independent dance instructors. This company’s insurance process is very straightforward. All you have to do is provide details about your business, select the most useful insurance products, and finalize the purchase. Get quotes from CoverWallet or leave a personal review

If you’re in a hurry, purchase any of these four insurance plans CoverWallet made for the exposures unique to dance businesses:

  • General liability insurance with products and completed operations coverage

  • General liability and commercial property insurance (can be bundled in a business owner’s policy

  • Business owner’s policy ( a combination of general liability insurance with commercial property insurance that you can add with workers' compensation insurance)

  • Custom plan (in a custom plan, you’re free to choose the types of insurance products to get. If you proceed with this option, it’s best to consult with CoverWallet live agents)

Best for: Dance instructor insurance quotes comparison online

Average cost: $12 per month

Our rating: 10/10


Thimble Dance Instructor Insurance

Pros

  • Insurance for dance instructors that’s also available as a short-term policy by the hour, days, weeks, or months

  • Get insured online

  • Cheap short-term insurance rates

Cons

  • Doesn’t have a live customer support

Thimble offers coverage for dance studios and instructors. Inclusions in Thimble’s coverage are general liability insurance, commercial property insurance, and workers compensation insurance. Get quotes from Thimble or leave your personal review

At an additional cost, you can endorse customer property coverage, HNOA coverage, or cyber insurance to your policy. What you’ll find very advantageous in getting insured with Thimble is that you can decide to get short-term coverage. 

Best for: Short-term business insurance for dance instructors

Average cost: $14 per month

Our rating: 9/10


Hiscox Dance Instructor Insurance

Pros

  • Worldwide coverage

  • Get covered online or with the help of an agent

  • 14-day money-back guarantee

  • Automatic policy renewal

Cons

  • Poor reviews in Better Business Bureau

Hiscox covers dance instructors through its artist insurance plan for performing arts professionals. From this, you can get a business owner’s policy and cyber liability insurance. Get quotes from Hiscox or leave your personal review.

In case it can’t provide coverage online, Hiscox will assign insurance agents who will discuss the particulars of your coverage. 

Best for: General liability insurance for dance instructors with worldwide coverage

Average cost: $21 per month

Our rating: 9/10


Insurance Canopy Dance Instructor Insurance

Pros

  • Free liability waiver

  • Save 14% on premiums if you decide to pay for the whole year

  • Coverage is tailored to the needs of dance professionals who teach online, in a gym, or privately 

Cons

  • Some customers report issues with how long representatives respond to queries

Insurance Canopy’s dance instructor insurance offers general liability and professional liability insurance, which has a $2 million per occurrence limit and $3 million aggregate limit. Add-ons can be included such as equipment coverage and cyber liability coverage. Aside from certificates of insurance, Insurance Canopy’s coverage for dance instructors comes with a free liability waiver for customers. 

Best for: Dance instructor insurance with a free liability waiver

Average cost: $12.50 per month

Our rating: 8/10


Insure Fitness Group Dance Instructor Insurance

Pros

  • Pricing tailored to the needs of professionals and students

  • Premiums can be paid with Paypal credit financing

  • Quick insurance application

Cons

  • You can’t name additional insureds for free

InsureFitness group’s dance instructor insurance offers general liability, professional liability, and product liability policies. This company’s general and professional liability insurance has a $1 million per occurrence limit and a $3 million aggregate. On the other hand, product liability insurance has a $1 million per occurrence limit. Insure Fitness Group’s dance instructor insurance plan also offers identity protection and stolen equipment coverage. 

Best for: Dance instructor insurance with identity protection coverage

Average cost: $15.49 per month

Our rating: 8/10


Recent Reviews

Recent Posts


Speak with a Representative Now Call 866-929-3479