Insurance for Dance Instructors

Teaching dance is a rewarding profession, but it also comes with risks. From student injuries to property damage, a single incident could result in financial loss or even lawsuits. That’s why insurance for dance instructors is essential—not just for studio owners but also for freelance and mobile teachers.

This guide breaks down the types of coverage you need, what they cost, and how they protect your livelihood.

Why Dance Instructors Need Insurance

Dance instruction involves physical activity, close interaction with students, and use of equipment or rented space. Even the most careful teacher can face claims of negligence or accidents. Here are the most common risks:

• Student injuries – A student sprains an ankle during class and holds you responsible.

• Property damage – You accidentally damage a rented dance studio’s floor.

• Professional negligence – A client claims your teaching advice led to injury.

• General liability claims – Third parties outside your class environment could also bring claims.

Without proper insurance, these situations could cost thousands of dollars out of pocket.

Types of Insurance for Dance Instructors

1. General Liability Insurance

Covers third-party bodily injury and property damage. Example: A student trips over a mat and breaks a wrist.

2. Professional Liability Insurance

Also known as malpractice or errors & omissions insurance. Protects against claims that your instruction or advice caused injury or harm.

3. Product Liability Coverage

If you sell or recommend dance equipment, supplements, or merchandise, this protects you if a product causes harm.

4. Commercial Property Insurance

For studio owners, this covers equipment, mirrors, floors, and sound systems from theft, fire, or water damage.

5. Workers’ Compensation

If you employ assistants, workers’ comp provides coverage for their workplace injuries.

6. Business Owner’s Policy (BOP)

A package that combines general liability, property insurance, and business interruption coverage—often more affordable than buying separately.

Cost of Insurance for Dance Instructors

On average:

• General liability: $350–$600 per year

• Professional liability: $400–$800 per year

• BOP package: $600–$1,200 per year

Factors affecting cost include:

• Location and studio size

• Number of students and instructors

• Type of dance taught (ballet vs. high-impact styles)

• Claims history

Key Points

• Dance instructors face risks such as student injuries, property damage, and negligence claims.

• General liability and professional liability insurance are the most important coverages.

• A business owner’s policy (BOP) is often the most cost-effective option.

• Costs typically range from $350 to $1,200 per year, depending on coverage and business size.

• Having insurance protects your career, reputation, and finances.

FAQ

Do freelance dance instructors need insurance?
Yes. Even if you don’t own a studio, you can still be held liable for injuries during classes you teach.

Is insurance required by law for dance instructors?
It’s not legally required, but most studios and gyms will demand proof of coverage before allowing you to teach.

Does insurance cover online dance classes?
Yes, many policies extend to virtual sessions, but check with your provider to confirm coverage.

Can insurance cover multiple instructors under one policy?
Yes, if you own a studio with several instructors, you can purchase a group policy that covers all employees.

Final Thoughts

Insurance for dance instructors is not just about compliance—it’s about peace of mind. Whether you teach in your own studio, at a gym, or online, the right coverage protects you from financial loss and allows you to focus on inspiring students through movement.

At THAgency, we work with nearly 100 carriers to find the most affordable, customized protection for dance instructors. With 30 years of expertise, we ensure you get the best coverage at the best price.

Start now and see your options instantly. Get your personalized quote today. It’s fast, secure, and tailored to you.