Dance Instructor Insurance

Dance Instructor Insurance

If you own a dance studio, teach at a studio, or provide private lessons, protect yourself from potential liabilities with dance instructor insurance.

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Zensurance - Dance Instructor
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Insurance for dance instructors

To an outsider, dances can look flawless. During a recital, dancers make it look easy to perform advanced moves such as a pirouette, a split leap, or even a headspin. But, behind the curtain, dance instructors know there’s a significant amount of time spent practising to create the immaculate final performance. And during that time, it’s inevitable there’ll be some minor injuries along the way. 

Insurance comes into play when a dance injury isn’t so minor. Regardless of how much practice, stretching, and guidance is given, there’s always a chance that a dancer could be seriously hurt under your instruction. Dance instructor insurance is fundamental for financial protection in cases where medical bills will need to be paid. 

At Zensurance, we know the coverage you need to protect your dance studio. We’ve outlined the basics of dance instructor insurance below.

What is dance instructor insurance?

Dance instructor insurance is a specialized liability policy package that protects dance professionals from lawsuits alleging negligence, malpractice, or third-party injury. It also provides coverage for common risks you could encounter, such as a general liability claim or property damage to your location.

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What does it cover?

You can expect a comprehensive dance instructor insurance package to include the following coverages:

  • Commercial General Liability (CGL) Insurance: This policy provides financial protection against risks that can happen in any business setting. These risks include claims alleging property damages and third-party injuries, such as a slip-and-fall. Say it’s a rainy day, and a parent falls over on your tiled floor as they enter the studio, injuring their back. Should they make a claim, your CGL policy may cover the subsequent medical and legal expenses up to the policy limit.
  • Professional Liability Insurance: This policy, also known as malpractice insurance, offers coverage for actual or alleged negligence, errors, omissions, or failure to deliver a service as promised. Holding a professional liability policy is very important for any dance instructor offering physical movement instructions and hands-on training. Suppose you’re teaching a ballet lesson, and you’re teaching your students an advanced move. One of the dancers sprains their ankle due to attempting the movement, and, in turn, their parents claim you didn’t give them enough training. Your professional liability insurance could cover the legal expenses and any settlement fees.
  • Commercial Property Insurance: Protect your location and any business-related contents from events such as fire, theft, and vandalism with commercial property insurance. If your studio suffered from smoke damage due to a fire in the neighbouring unit, for example, this policy could provide financial protection to replace and repair any smoke-damaged fixtures and contents.

Do dance instructors need insurance?

Professional dance instructors, studios, and dance schools should utilize a dance instructor insurance policy to protect themselves from potential lawsuits.

We’ve insured more than 1,000 dance professionals. Some of our clients include:

Each professional is unique, and coverage requirements may vary. Please speak with our brokers about customizing your policy to suit your specific insurance needs.

How much does it cost?

While each dance business has its unique risks, the average cost of dance instructor insurance starts around $330 for CGL and professional liability policy with a $2 million combined coverage limit.

Our online application asks a series of questions about your business to understand your needs better. Here are some specifics that help to calculate your quote:

  • Operation size (number of participants)
  • Training and experience
  • Annual and projected revenue
  • Services provided
  • Number of employees
  • Past insurance claims

Rest assured, you’ll get a great price with Zensurance. We’ve partnered with over 50 insurance providers to offer you different options that suit your business needs at the best price.

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Common claims scenarios

Frequently asked questions

Is there a difference in coverage for dance instructors versus dance studios?

Yes, if you’re a freelance dance instructor, you’ll likely need professional liability and CGL. However, if you own a dance studio, you’ll need to have more comprehensive coverage that covers your location along with liability. That ensures you’re protecting your business-related assets should they be damaged during an insured event.

If I hire contract dance instructors, are they covered in my insurance policy?

No, your policy will only cover full-time employees or volunteers. Any contracted or freelance dance instructors will need to obtain individual liability insurance policies.

Does my dance liability insurance cover online dance classes?

Yes, regardless of how you conduct your dance class, you’re responsible for the guidance you provide to your students. Liability insurance will cover you whether you teach your class in person or virtually.

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Ready to start? Let’s get a quote!

You have dedicated your career to guiding others through the means of dance. You deserve a broker that provides the same level of guidance with your insurance needs.

There’s no better time, so start our online application for a free insurance quote today!

If you need more information or prefer to speak with a broker, our friendly team will always help you throughout the process.

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