Dance Instructor Insurance

small business owner can do their job knowing they have insurance for dance studios

Why Is Dance Teacher Insurance Important?

Owning a dance studio or becoming an instructor is rewarding. You’re helping students learn new skills and express themselves. Still, your profession comes with unique risks. Dance teacher insurance, a collection of business insurance coverages, can help protect your business and livelihood. Dance insurance coverage from The Hartford can help:

Pay medical bills for students or assistants who suffer an injury
Replace stolen equipment
Repair physical damages to your business’ building
Cover financial losses due to unexpected interruptions in business operations

Who May Need Dance Instructor Insurance?

These types of dance professionals may need insurance coverage:

Ballet teachers
Choreographers
Dance studio owners
Zumba instructors
Yoga teachers
Acrobatics instructors
Tumbling instructors

Types of Insurance for Dance Studios and Instructors

Whether you salsa in the studio or travel to competitions, dance school insurance is essential. When you own a dance studio or teach dance classes, you’ll need to have some insurance protection in most states. Business insurance can help protect you from liability lawsuits and claims. Coverage applies to claims caused by personal injuries, accidental injuries or property damage that may occur during classes, rehearsals or performances.

Many businesses start with a Business Owner’s Policy (BOP), which includes three essential coverages:

General liability insurance for dance teachers to help protect you and your dance studio from claims that it caused bodily injury or property damage. If someone slips and falls at your business, they could blame your business for their injuries. Without insurance, you’d have to pay out of pocket for costly claims.
Commercial property insurance to help protect your owned or rented building, as well as the tools and equipment you use to operate, including:
- Mirrors
- Speakers
- Flooring
- Barres
Business income insurance to help recover your business’ lost income if it can’t open because of covered property damage.

In addition to a BOP, it’s a good idea to have additional insurance coverage to make sure your business is fully protected from unexpected accidents. Depending on your state laws, these types of insurance may be required for your business to have:

Workers’ compensation insurance can help your employees recover from work-related injuries or illnesses. In most states, you are required to have workers’ comp insurance if you have any employees. Be sure to check with your local laws to find out what type of insurance you’re required by law to carry.
Commercial auto insurance can help cover the costs of auto accidents that occur while you or your staff are driving for business reasons. If your business owns any company cars, you’ll likely need this coverage in most states.

Take the First Step

Help protect your dance studio with insurance coverage designed for your industry.

Quote Today

small business owner can do their job knowing they have dance studio insurance

How Much Does Dance Instructor Insurance Cost?

Dance instructor insurance or dance studio insurance costs vary. On average, our customers paid $1,687 a year for a BOP, or about $141 a month.**

Insurers use several different factors to determine business insurance costs, including:

Location
Claims history
Types of business
Policy details, like deductible amount and coverage limits

The best way to find out how much insurance for dance instructors and studios will cost is to get a quote.

certificate of insurance for dance instructors

Here for You 24/7

A certificate of insurance (COI) shows proof of insurance for your policy. At The Hartford, we make it quick and easy to request a COI, at any time of day.

Taking Care of Your Team

We know that the health and well-being of your team is important to keeping your dance studio running successfully. That’s why it’s crucial to have the right dance class insurance to protect your business.

In 2022, there were 2.8 million workplace injuries or illnesses reported by private employers in the United States.²

Commercial Auto Insurance

“One of our instructors was on her way to teach Zumba at an event when she accidentally backed into someone with our company van. The accident caused damages to both vehicles.”

Commercial auto insurance can help cover the costs of an auto accident while you or an employee uses a company-owned car for work.

Workers’ Compensation Insurance

“While entering the ballet studio, one of our best instructors slipped on a puddle of water and injured her wrist. The doctor diagnosed a sprain, and she needed to take time off to heal.”

Workers’ compensation insurance can help cover injuries and illnesses that happen on the job. It can help pay for an injured employee’s medical bills and time off to recover.

Covering Your Operations

From minor mishaps to major claims, dance instructor liability insurance and other coverages help keep your studio open. Having the right insurance for dance teachers means you can focus on perfecting routines and inspiring students – without worrying about the what-ifs.

In 2022, fall-related injuries accounted for 35% of all nonfatal injuries in emergency department visits across the U.S.³

dance studio student injured after falling in the dressing room covered by general liability insurance

General Liability Coverage

“One of my students tripped in the dressing room before class and hurt her ankle so badly she needed to go to urgent care right away.”

General liability coverage can help pay for medical treatment costs if a client hurts themselves while at your business.

dance studio covered during a power outage by Business income for off-premises utility services

Business Income Coverage

“A transformer caught on fire down the road from our dance studio, causing the power to be out for a week. We couldn’t teach classes until it was restored.”

Business income for off-premises utility services can help cover lost income due to an interruption in utility services.

Protecting Your Property

Your studio and equipment are an important part of your dance business. Protect your property with the right business insurance coverage.

Fire damage claims impact 10% of small businesses and cost an average of $35,000.⁴

Commercial Property Insurance

“We rent space for our dance studio inside an older building. One of the outlets was faulty and when it sparked inside the wall, it started a fire. The fire caused damage across our entire studio space.”

Commercial property insurance can help cover property damage to your owned or rented building. It can help cover damages from fire.

Business Interruption Insurance

“After a storm, we received a call that a tree had fallen on our studio’s roof and damaged some windows. We couldn’t teach classes for a month until the repairs were done.”

Business interruption insurance can help replace income you lose if you can’t open temporarily after a covered loss, like property damage.