Just like gyms, martial arts studios, aerobics studios, and yoga studios, your dance studio needs insurance too. Dance studio insurance is a specialized insurance plan that covers lawsuits, employee-related issues, business income loss, business property loss, and others. Read this guide to know:
How much to pay for premiums
The function of each policy commonly included in dance studio insurance plans
Where to get the best coverage
This table shows the cost of the most useful types of insurance policies for dance studios:
|Cost per Month||Cost per Year||Deductible|
|General liability insurance||$37||$444||$0-$500|
|Professional liability insurance||$45||$540||$500-$1,000|
|Workers compensation insurance||$70||$840||$2,000-$5,000|
|Commercial property insurance||$41||$492||$1,000-$2,000|
|Commercial auto insurance||$60||$720||$500-$1,000|
|Business owner’s policy||$39||$468||$500-$2,000|
Dance studio insurance cost $37 per month or $444 per year for a $1 million general liability insurance. This assumes that you have 5 employees and make $500,000-$750,000 per year.
Location, revenue, business size, number of employees, claims history, and business history affects the cost of premiums. Consider doing these things to decrease the cost of dance studio insurance:
Have students sign off waivers
Have high deductibles
Remove floaters from your policies if they’re useless
Only work with licensed dance instructors
In addition, here’s another table showing the cost of the companies we recommend for dance studio insurance:
|Cost per Month||Cost per Year||Best for|
|NEXT||$25||$300||Best overall; Fastest general liability insurance for dance studios|
|CoverWallet||$29.58||$354.96||Comparing dance studio insurance quotes over the phone|
|Thimble||$33||$396||On-demand coverage for dance studios|
Get all the best quotes from leading providers in a click of a button!
|Per occurrence limit||$1,000,000||$2,000,000||$300,000/$1,000,000|
|Products and completed operations aggregate limit|
|Advertising injury coverage aggregate limit||$1,000,000||$1,000,000||$1,000,000|
|Tenant’s legal liability coverage limit|
|Waiver of subrogation included?||Yes||Included||Included|
|Hired/non-owned auto liability coverage included?||Yes||No||Can be included|
|Equipment breakdown floater included?||No||Yes||Yes|
|Can you get a certificate of insurance online?||Yes||Yes||Yes|
|Name additional insureds?||Yes||Yes||Yes|
General liability insurance is a common inclusion in dance studio and dance school insurance programs. This grants protection when a claim for bodily injury or property damage is filed by students, visitors, independent dance teachers, independent zumba instructors, barre instructors, and other third parties.
Use the table above to compare the quotes of general liability insurance for dance studios.
About 100% of dance studios get general liability insurance. Here are some example situations where you'll find this useful:
A student gets injured during a dance class and demands you pay for medical treatment
A visitor or student loses their belongings while in your studio and demands compensation
You hired a guest dance instructor to conduct a class, and she gets injured while teaching
A spectator fell from the chair while watching a performance held in your dance studio
By having general liability insurance, your dance studio can cover these costs without incurring financial losses:
Medical treatment of the claimant
Reimbursement for the damaged property of the claimant
Defense costs such as attorney fees, court filing fees, investigation fees, etc.
Add-ons are usually included in the general liability insurance for dance studios. Expect the policy to offer these:
Tenant legal liability coverage
Products and completed operations coverage
Equipment and tools coverage
Waiver of subrogation
Hired/non-owned auto liability coverage
|Per occurrence limit||$1,000,000||$2,000,000|
|Name additional insureds?||Yes||Yes|
|Waiver of subrogation included?||Yes||No|
Your dance studio can be held liable for the issues that its teachers or instructors committed during a class. Because of this, consider getting professional liability insurance.
Use the table above to compare the quotes of professional liability insurance from companies we recommend.
Professional liability insurance covers settlements, defense costs, and court judgments if a claim is filed because your full-time, part-time, or independent dance instructor did any of these:
Failed to provide assistance while the student is executing a routine
Asked the student to perform a routine that’s not fit for his or her physique and age
Verbally abused a student during the class
Depending on which insurance company underwrote it, professional liability insurance can also cover these exposures:
Claims for sexual abuse and molestation
Lawsuits and investigations filed by licensing boards against your studio’s dance teachers
Lost income as a result of frequent attendance to court trials
|Building coverage limit (minimum)||$50,000||$330,000||$25,000/$500,000|
|Contents coverage limit (minimum)||$50,000||$18,000||$25,000/$500,000|
|Money and securities||Excluded||$2,500||$1,000|
|Lock and keys||Excluded||Excluded||Excluded|
|Business interruption floater||Excluded||Excluded||Included|
|Equipment breakdown floater||Excluded||Included||Excluded|
|Inland marine insurance floater||Excluded||Excluded||$10,000|
|Employee dishonesty floater||Excluded||$5,000||$2,500|
Your dance studio needs a physical space, which can be an owned/leased condo, dedicated building, or a modified gym.
The building is one of your most expensive assets as a dance studio owner. Your finances might be crippled if something happens to it.
Protect your dance studio’s commercial space and ensure the continuity of operations even if disasters arrive by purchasing commercial property insurance.
Use the table above to compare the quotes of commercial property insurance for dance studios.
Commercial property insurance will cover the repair or replacement costs if your dance studio gets damaged or destroyed by:
Note that commercial property insurance also reimburses losses if speakers, television, employee personal property, important documents, furniture, and other valuables get damaged or destroyed while inside your dance studio.
In addition, your dance studio’s commercial property insurance might come with additional perks. The most common ones are:
Inland marine floater
Employee dishonesty floater
Business interruption floater
Key lock loss and replacement floater
Equipment breakdown floater
Commercial property insurance doesn’t cover war, floods, mudslides, avalanches, and landslides. The same applies to normal wear, tear, and corrosion of the building and its contents.
|Offered as an endorsement to general liability insurance or commercial property insurance?||Yes||Yes|
|Covers hired and borrowed equipment?||Yes||No|
|Miscellaneous equipment also covered?||Yes||No|
Equipment breakdown insurance is also a common inclusion in dance insurance programs for studios and instructors.
You will find this offered as a stand-alone policy or as optional coverage in general liability insurance or commercial property insurance. Use the table above to compare the quotes of dance studio equipment breakdown insurance.
Equipment breakdown insurance protects the speakers, MP3 players, lighting, computers, projectors, and other items for a dance class. Coverage applies when damage or loss happens because of:
|General liability aggregate limit||$2,000,000||$2,000,000||$4,000,000|
|Commercial property insurance aggregate limit||$50,000||$25,000/500,000||$330,000|
|Optional policies can be added?||Yes||Yes||Yes|
|Name additional insureds for free?||Yes||Yes||Yes|
Insurance programs for dance studios can offer a business owner’s policy. This is a great option if your dance studio is picking its space. Use the table above the compare the quotes of business owner’s policy for dance studios
A business owner’s policy fuses general liability and commercial property insurance-two types of coverage that growing businesses need-into one insurance product. About 83% of dance studios purchase this.
The cost of a business owner’s policy is cheaper than when you bought commercial property and general liability insurance for dance studios separately.
Most business owner’s policies for dance studios come with add-ons and grant more comprehensive protection. Common optional inclusions are:
Cyber liability insurance
Business interruption insurance
Inland marine insurance
Consider getting events insurance during times when your dance studio hosts special dance classes or any other event such as public shows and competitions.
Use the table above to compare the quotes of events insurance for special dance classes and other related events.
Events insurance is a short-term coverage that offers general liability or public liability insurance for dance classes. This will cover the resulting cost if the attendees of your special dance class event sustain bodily injuries or property damage.
Aside from general liability or public liability insurance, events insurance for dance classes also offers:
Key person coverage
Event postponement or cancellation coverage
Equipment and tools coverage
Rented premises liability coverage
Consider getting commercial auto insurance if your dance studio owns a van or minibus for out-of-town trips or taking students and instructors home after dance classes.
Commercial auto insurance covers unfortunate events that happen while your dance studio is using its commercial vehicle for day-to-day operations. It has a lot of functions that we summarized in the bullets below:
Cover the medical treatment or property damage of third parties who get involved in an accident that your dance studio’s vehicle caused
Pay for the replacement or repair of parts if your dance studio’s vehicle sustains damage because of fire, theft, vandalism, and other covered perils
Pay the hospital bills and treatment of the driver and passengers in the event that your dance studio’s vehicle gets involved in an accident caused by an insured/underinsured driver
Reimburse extra expenses if you need to rent because your dance studio’s vehicle is under repair
Most insurance companies that provide coverage for your dance studio’s car might offer these add-ons in their commercial auto insurance:
Trailer and equipment coverage
Get worker's compensation insurance if your dance studio employs one or more full-time and part-time dance teachers
The law requires you to cover dance teachers, who are part of your company’s regular payroll, with workers' compensation insurance. Non-compliance will result in a cease-and-desist order, fine, or imprisonment.
Dance instructors can sustain sprains, fatigue, fractures, musculoskeletal disorders, and other injuries. If this does happen to those working for you, workers' compensation will cover the resulting expenses such as:
Rehabilitation and retraining
Funeral expenses and allowance to dependents in case of death
There’s no need to get workers' compensation insurance if your studio’s dance instructors are independent contractors.
Nonetheless, workers' compensation insurance allows you to name independent contractors as additional insureds if they request to be covered. By the way, you can also name yourself as an insured in the terms of the policy.
Employer’s liability insurance grants protection when an employee holds your business liable for his or her work-related injury or disease.
You can use this insurance to cover settlements, defense costs, and court judgments. Employer’s liability insurance is sold as part of workers' compensation insurance.
Some insurance companies allow you to remove employer’s liability insurance from workers' compensation insurance if you don’t need it.
Get all the best quotes from leading providers in a click of a button!
These are the best dance studio insurance companies. Read to know their pros, cons, and rate for a $1 million general liability insurance.
Get an online proof of insurance and send as a text message, email, or social media post
Fastest general liability insurance for dance studios
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
Had the fastest online policy purchase experience at a great rate!! Haven't had any issues since-Anonymous
Had a fast, cheap and smooth business insurance experience with Next. Superb product and customer service. Would definitely recommend them to anyone!-Mark Adams
NEXT covers dance studios with its insurance program for fitness studios that offers three coverage options-basic, premiere, and deluxe. Get quotes from NEXT or leave a personal review.
Go for the basic option if you want the cheapest coverage. But note that protection isn’t very comprehensive as you’ll only get $4 million professional liability insurance and $2 million general liability insurance.
NEXT’s deluxe coverage is expensive but provides the most comprehensive protection. This offers general liability insurance, professional liability insurance, commercial property insurance, and workers' compensation insurance with employer’s liability coverage.
Best for: Best overall; Fastest general liability insurance for dance studios
Average cost: $25 per month
Our rating: 10/10
Compare dance studio insurance quotes online
Cancel your coverage anytime
Easy online policy management
General liability insurance for dance studios comes with waiver of subrogation, terrorism coverage, and HNOA coverage
Not an insurance company but an insurance broker
Excellent platform for business insurance quote comparison online-Dave Phillips
Kudos to Coverwallet's business insurance quote comparison platform that helped us get the best rates on our BOP from top commercial insurers conveniently and online-Anonymous
CoverWallet’s dance studio insurance offers general liability, commercial property, workers compensation, commercial auto, and many other business insurance policies. Get quotes from CoverWallet or leave a personal review.
Note that the policies you purchase through CoverWallet’s online quotes comparison tool are underwritten by its partners .
CoverWallet only helps you look for the best coverage options, get insured online, and manage policies easily.
Your dance studio’s general liability insurance from this company has a $1 million per occurrence limit with a $2 million aggregate. Waiver of subrogation, non-owned/hired auto, and terrorism coverage as included as additional perks in the terms of the policy.
Best for: Comparing dance studio insurance quotes over the phone
Average cost: $29.58 per month
Our rating: 10/10
Quick to issue quotes
Easy online quotation process
Numerous inclusions in its business owner’s policy
General liability and commercial property insurance not available as stand-alone policies
Thimble is easy to use and very cost-effective for many small businesses. Very happy that I've found them! No claim experience so far though..-Gabe Martin
Love their business insurance solutions for freelancers! Great app!-Chad Fox
Thimble’s dance studio insurance offers a business owner’s policy and workers compensation insurance. Get quotes from Thimble or leave your personal review.
Thimble’s business owner’s policy features a $1 million-$2 million general liability coverage and $25,000-$500,000 commercial property coverage. You can also avail additional inclusions such as equipment breakdown coverage, non-owned/hired auto liability coverage, business interruption, etc.
You can also get event insurance for your studio’s special dance classes and other events. Policies offered are general liability and liquor liability insurance.
Best for: On-demand coverage for dance studios
Average cost: $33 per month
Our rating: 10/10
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
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.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
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!
It really can't get any better than this... wow