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
| CoverWallet | NEXT (Best) | Thimble | Hiscox | Insurance Canopy | Insure 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 | $2,000,000 | Excluded |
| Tenant’s legal liability coverage limit | $1,000,000 | $100,000 | $100,000 | $100,000 | $300,000 | Excluded |
| Waiver of subrogation included? | Yes | Included | Included | Can be included | Excluded | Excluded |
| Hired/non-owned auto liability coverage included? | Yes | No | Excluded | Can be included | Excluded | Excluded |
| Equipment breakdown floater included? | No | Yes | Yes | Can be included | Included | Excluded |
| Can you get a certificate of insurance online? | Yes | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes | Yes |
| Deductible | $0 | $0 | $0 | $500-$2,500 | $0 | $0 |
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 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.
| CoverWallet | NEXT (Best) | Thimble | Insurance Canopy | InsureFitness 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? | Yes | Yes | Yes | Yes | Yes |
| Waiver of subrogation included? | Yes | No | Yes | No | No |
| Claims for abuse and molestation also covered? | No | No | No | No | No |
| Deductible | $500 | $0 | $0 | $0 | $0 |
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.
Get all the best quotes from leading providers in a click of a button!
| CoverWallet | NEXT (Best) | Thimble | Hiscox | |
|---|---|---|---|---|
| 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 signs | Excluded | $2,500 | $2,500 | Excluded |
| Accounts receivable | Excluded | Excluded | $5,000/$10,000 | Included |
| Money and securities | Excluded | $2,500 | $1,000 | Included |
| Lock and keys | Excluded | Excluded | Excluded | Excluded |
| Business interruption floater | Excluded | Excluded | Included | Included |
| Equipment breakdown floater | Excluded | Included | Excluded | Excluded |
| Inland marine insurance floater | Excluded | Excluded | $10,000 | Excluded |
| Employee dishonesty floater | Excluded | $5,000 | $2,500 | Included |
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
| NEXT (Best) | Thimble | Hiscox | Insurance Canopy | Insure 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? | Yes | Yes | Yes | Yes | Yes |
| Covers hired and borrowed equipment? | Yes | Yes | No | No | No |
| Miscellaneous equipment also covered? | Yes | No | Yes | No | No |
| 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
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
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.
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.
| Cost per Month | Cost per Year | Deductible | |
|---|---|---|---|
| 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 Month | Cost per Year | Best for | |
|---|---|---|---|
| NEXT | $11 | $132 | Best overall; Fastest general liability insurance for dance instructors |
| CoverWallet | $12 | $144 | Dance instructor insurance quotes comparison online |
| Insurance Canopy | $12.50 | $150 | Dance instructor insurance with a free liability waiver |
| Thimble | $14 | $168 | Short-term business insurance for dance instructors |
| Insure Fitness Group | $15.49 | $186 | Dance instructor insurance with identity protection coverage |
| Hiscox | $21 | $240 | General 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.
Get all the best quotes from leading providers in a click of a button!
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.
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
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
Compare dance instructor insurance quotes online
Streamlined insurance process
Cancel a policy anytime
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
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
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
Worldwide coverage
Get covered online or with the help of an agent
14-day money-back guarantee
Automatic policy renewal
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
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
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
Pricing tailored to the needs of professionals and students
Premiums can be paid with Paypal credit financing
Quick insurance application
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
1 / 5
Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
1 / 5
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
1 / 5
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
5 / 5
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
5 / 5
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
Not all those who wander are lost.
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