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Dance Studio, Teacher & Instructor Insurance: Cost & Quotes From $11

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As a dance teacher, you’re constantly in motion. Whether you’re honing your own craft, teaching the next generation of young dancers, or helping to choreograph and produce a large performance, there’s often not a lot of downtime to think about the more technical aspects of running your dance business.

As a result, many instructors and first-time studio owners are caught off guard when the time to purchase dance instructor insurance comes. It’s common for instructors to have questions about how dance insurance works, what type of dance teacher insurance they need, how much does dance business insurance cost, and how to find affordable coverage and quote.

So, to help customers better understand dance insurance and the process of applying for it, we’ve put together a definitive guide to help you navigate through the paperwork. It’s time to get moving and explain the different types of insurance for dance instructors.


Also read:

Do I Need Dance Insurance?

If you’ve just started your dance instructor business, then it’s possible that you didn’t even know that you needed insurance. You may be thinking something along the lines of, “Why do I need insurance to teach people how to dance?” If so, you’re not alone. However, we’re here to help you avoid the devastating financial loss resulting from having to pay claims without insurance. 

Given the physical and often strenuous nature of dance, there’s a lot of possibility for accidents and bodily injury to happen. If you run your own studio, you also have to consider that your patrons, customers, and members could get injured within the walls of your studio. This, in turn, could lead to personal injury claims. 

Without proper insurance coverage, you and your business could be held personally liable for any injury or property damage claims. Before you know it, you could be shelling out thousands of dollars in small claims court because a student broke a bone while dancing. 

This is why purchasing insurance is a vital part of starting your small dance business. A liability insurance policy is designed to prevent you and your dance business from being held financially liable for injuries, damage, or other mishaps. If and when a claim arises, your insurance provider will pay out the claim, so you don’t have to pay for anything out of your own pocket. 

Depending on the type of dance business you run, though, the insurance coverage you’ll need may differ slightly. Let’s take a quick look at the main types of dance businesses and the insurance they’ll need. 


Personal Dance Instructors

If you’re a personal dance instructor, then you likely just need to purchase simple insurance for dance teachers. Most personal dance instructors provide one-on-one instruction to clients in their home, a rented studio space, or even outdoors. As such, most personal dance instructors will need to maintain a professional liability insurance policy. You may also benefit from a public liability policy. 


Group Class Instructors

If you’re renting studio space to teach group dance classes, then you’ll definitely need a professional liability insurance policy to protect you as an instructor. This can protect you against claims such as personal injury or sexual harassment that occurs between students while you’re teaching your class. 


Insurance For Dance Instructors

Depending on the type of dance instruction you do, you may need more or less coverage. For example, a one-on-one dance instructor typically doesn’t need as much coverage as an instructor who owns and manages their own dance studio. If you’ve read our gym insurance and fitness instructor insurance articles, you’ll find that the coverage is quite similar. 

So, in the following section, we’ll clear up the murky waters and explain the different types of insurance for dance instructors. 


Dance Instructor Liability Insurance

Dance teacher liability insurance, by definition, is designed to prevent you from being held financially liable for various accidents and mishaps that can happen during your classes. These are the most common types of liability insurance policies for dance instructors. 


Public Liability Insurance for Dance Teachers

Many love to dance but only a few are naturally gifted with it. That’s why some of your students might find difficulties executing routines. Due to difficulties, accidents happen sometimes, and students can be injured or have their property damaged. 

A student might hold you responsible for his or her losses. This is where public liability insurance for dance classes comes into the scene. It functions to shoulder defense costs and settlements if a student files a personal injury claim or property damage claim against your business.  Note that public liability insurance doesn’t only cater claims from students but other third-parties as well. 

Public liability insurance for dance teachers doesn’t offer a very comprehensive protection. That said, if you want something that’s better, get dance instructor’s general liability insurance. 


Dance Instructor’s General Liability Insurance

The function of public liability insurance is included in general liability insurance. That is, to cover costs if a student files a personal injury claim or property damage claim against you. 

Earlier, we said that general liability insurance is better than public liability insurance. It’s because you can add optional policies to general liability insurance namely:

  • Advertising injury coverage

  • Products and completed operations coverage

In dance classes, it’s unavoidable that you give constructive criticisms to students. However, some people are overly sensitive. It’s also possible that you fail to notice your language and end up embarrassing the student without realizing it.  And so,  you might face slander, libel, or defamation claims. 

Another thing,  someone might also accuse you of copying his or her choreography. And copying someone’s choreography is a ground for copyright infringement. 

Claims third parties file because of slander, libel, defamation, and copyright infringement might cost $10,000 or more. But with general liability insurance having advertising injury coverage, there’s no need for you to worry because it will pay for attorney fees, other legal costs, and settlements to the aggrieved party. 

Your past dance classes might have caused personal injuries or property damage to a student. Let’s say such a student decided to file a claim weeks or months later after attending your dance class.  In this situation, what will protect you is products and completed operations coverage in general liability insurance. Why is this? A basic general liability can’t help because it will only take care of claims made at the time a covered peril happened. 


Summing Up the Difference and Similarities Between Public Liability Insurance and General Liability Insurance

The bullet below sums up the differences of general liability insurance and public liability insurance:

  • Both public liability insurance and general liability insurance covers personal injury claims and property damage claims filed against dance instructors

  • Both public  and general liability insurance has a minimum $1 million - $2 million limit 

  • Public liability insurance doesn't have optional policies. On the other hand, general liability insurance has many

  • General liability insurance covers many exposures. On the other hand, public liability insurance for dance instructors only covers exposures associated with personal injuries and property damage


Professional Liability Insurance for Dance Teachers

Often referred to as errors and omissions insurance (E&O coverage), professional liability insurance is a must-have for all teachers and instructors. Essentially, it protects you from any claims stemming from malpractice or your teaching style. 

For example, let’s just say that a student is unhappy about their monthly membership and decides to claim that you didn’t teach them everything you promised to. Or, perhaps, they claim that you gave them the wrong instructions. If the claim is legitimate, your professional liability policy will pay out the claim amount so that you don’t have to pay out of pocket. 


Cyber Insurance for Remote Dance Instructors

Are you a remote dance instructor offering lessons through a website? If you’re nodding your head right now, then general liability, professional liability, and public liability insurance aren’t the only essential policies. Cyber insurance is worth the investment too. 

Someone might hack your dance website and gain access to sensitive information such as social security numbers, credit card numbers, phone numbers, and addresses. Cyber insurance will protect you from costs if this happens. This insurance policy gives the following protection:

  • Data compromise protection - Data compromise protection will cover credit monitoring and public relations services

  • Identity recovery protection - Covers costs you’ll need to pay to restore the credit history of affected third parties and your business as well

  • Cyber liability coverage - Should affected parties hold your business liable for the breach, cyber liability coverage will take care of defense costs and settlements


Dance School and Dance Studio Insurance

Exposures are more rampant if you own a brick-and-mortar dance studio or school instead of working as an independent dance instructor or employed dance instructor. So in addition to having a general liability, public liability, or professional liability insurance, you’ll also need:

  • Commercial property insurance

  • Business interruption insurance

  • Workers compensation insurance

  • Abuse and molestation insurance


Dance School and Studio Commercial Property Insurance

A huge flame might break out and engulf your studio or dance school. It’s also possible for hurricanes, typhoons, and other related events to wreck everything to the ground. Without insurance, you’ll have to spend a lot of money to rebuild the dance studio or school.

Commercial property insurance sees to it that, in case your dance studio or dance school is destroyed by a fire, arsonist, or extreme weather,  the insurance company will shoulder all expenses for reconstruction. In other words, you can have your dance studio or school back without spending a single penny. 

What if the studio is only damaged by fire, extreme weather, theft, vandalism, or other perils? Commercial property insurance still provides a helping hand. Aside from reconstruction, this insurance policy will also provide the money you need to repair damaged structures such as signages, glass panels, cracked walls, etc. 

Inside your dance studio are valuable dancing equipment such as mp3 players, speakers, and protective gear. Insure these by adding business equipment and tools coverage to commercial property insurance. Business equipment and tools coverage will reimburse what you invested if ever mp3 players, speakers, protective gears, and other related items become damaged or lost

Another coverage you can add to commercial property insurance is stocks and contents coverage. This one will reimburse your investments on items for sale and valuable objects not classified as business equipment that were damaged by fire, theft, vandalism, and other covered perils. 


Business Interruption Insurance for Dance Studios and Schools 

Sometimes, unexpected events will force you to close the studio or school temporarily. But still, you’ll still have to pay bills, wages, loans, mortgages, and other operations. As a result, you’ll lose money.  In connection, business interruption will make sure that this dreadful scenario won’t happen.

Business interruption insurance provides money equal to the full value or portion of your dance studio or school’s projected revenue. You’ll receive money to use for bills, wages, loans, and other operational costs in a duration of 30 days. But note that business interruption insurance can give you money for 360 days if you get an endorsement. 

Dance School and Studio Workers Compensation Insurance

Workplace injuries are very common in dance schools. Those that teach dancing experience the following:

  • Spasms

  • Tendonitis

  • Fractures

  • Dislocation of bones

  • Sprains

  • Fatigue or overuse injuries


Again, dance teachers experience a lot of injuries. And if your dance studio has one or more regular, contractual, or part-time dance teachers, it’s not a bad idea to get workers compensation insurance.

Workers compensation insurance will cover all expenses if a teacher of your dance studio suffers from a work-related injury or disease. With this insurance,  you won’t spend a single penny for the teacher’s hospitalization, treatment, and rehabilitation. 

Workers compensation will provide an allowance that supplements lost income if the injured or sick teacher needs to take a pause to continue healing. The amount of allowance is equal to two-thirds of the average weekly wages. Also, the teacher will receive an allowance for three to seven years. 

It’s uncommon for dance teachers to die from work-related injuries or diseases. But in case this does happen, workers compensation insurance will also provide death benefits to the deceased’s dependents on your behalf. 


Abuse and Molestation Insurance

If your dance studio or school admits kids, certainly get abuse and molestation insurance. Parents of the kids enrolled in your dance studio or school might accuse instructors of offensive touching or rape. Of course, your business’s reputation will be pulled into the mess. The job of abuse and molestation insurance is to cover defense costs and settlements.  

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How Much Does Dance Studio Insurance Cost?

General liability insurance for a dance studio costs $38 per month or $456 per year on average. This assumes that you’re purchasing a $1,000,000/$2,000,000 aggregate coverage limit. 


While rates always vary depending on business-specific factors, here’s a rough idea of the pricing from the best dance instructor insurance companies - CoverWallet, NEXT,  and Thimble - as well as alternative options. 

Insurance Provider Average Monthly Rate Average Annual Rate Best for
CoverWallet  $25 $300 Dance studio, school, and instructor insurance quotes comparison online
Thimble 
$33.91 $406.92 Short-term business insurance for dance studios and instructors
NEXT $36 $432 Dance instructor insurance with commercial auto policy


State Farm $39 $468 Dance instructor insurance with multiple claims channels 
The Hartford $40 $480 Dance business insurance with generous limits 
USAA $41 $492 Former military veterans dance instructors 
Geico $42 $504 Discounted commercial auto and commercial fleet insurance for dance studios and schools
Allstate $46 $548 Dance instructor insurance with responsive customer service

If you own an extra-large dance studio, then you may need to purchase a general liability policy with up to $5,000,000 worth of coverage, which would be almost double the price. Additionally, if you own or mortgage the building, you’ll need to have a property insurance policy to protect your investment. 

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Best Dance Studio, School, and Instructor Insurance Companies

Here are some reviews of the best dance studio, dance school, and dance instructor insurance companies. Know about their pros, cons, and pricing for a $1 million general liability coverage. 


CoverWallet Insurance for Dance Professionals 


Pros

  • Compare dance business insurance quotes online

  • Streamlined insurance process

  • Cancel a policy anytime

  • Choose the deductible you wish to have

Cons

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


CoverWallet covers independent dance professionals as well as dance schools and studios. 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. 

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 studio, dance instructor, and dance school insurance quotes comparison online

Average cost: $25  per month

Our rating: 9/10


Thimble Dance Studio and Instructor Insurance


Pros

  • Insurance for dance studios 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 cover dance schools

  • Doesn’t have a live chat customer support


Thimble offers coverage for dance studios and instructors. Inclusions in Thimble’s coverage are general liability insurance and professional liability insurance. At an additional cost, you can endorse commercial property insurance and business interruption insurance for more protection. What you’ll find very advantageous in getting insured with Thimble is that you can decide to be insured for only hours, days, weeks, or months. 


Best for: Short-term business insurance for dance studios and instructors

Average cost: $33.91  per month

Our rating: 9/10


NEXT Dance Instructor Insurance

Pros

  • Offers commercial auto insurance for dance instructors

  • Bundle policies and get a 10% discount

  • Transparent rates 

  • Get insured online

Cons

  • Very digitized insurance process


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. 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: Dance instructor insurance with a commercial auto policy

Average cost: $36  per month

Our rating: 7/10

Compare Dance Studio, Teacher & Instructor Quotes Online

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How to Find Affordable Dance Instructor Insurance?

Thankfully, dance insurance is nowhere near as expensive as a high-risk industry like roofing, for example. However, it still pays to do your research and look for the best deal to find cheap business insurance.

If you want to find affordable dance instructor insurance or dance studio insurance, the best thing you can do is shop around! By comparing rates offered by different business insurance companies, you increase your chances of getting the best deal. In fact, the more companies you’re comparing, the better of a deal that you can stand to gain.

To get free customized dance business insurance quotes, simply click the ‘Get Quotes’ button below! After following the process and entering some business and contact information, you’ll receive quotes online from some of the top dance insurance providers in the nation, allowing you to choose the best option for your business. So what are you waiting for? Get insured and start dancing!



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