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Why do dance studios need insurance?
Your dance studio could face a costly lawsuit if a student slips on a slick floor, or sprains a muscle while following instructions. Business insurance can help pay for accidents that harm a student or damage their property. It can also cover instructor injuries, stolen equipment, data breaches, and fires.
Find the right coverage
Insureon helps small dance studios find insurance coverage that matches their risks and budget.
Get free quotes from top-rated insurance companies with our easy online application.
What types of insurance do dance studios need?
These insurance policies cover the most common risks at dance studios.
General liability insurance
A general liability insurance policy covers basic third-party risks, such as a student slipping and breaking a wrist at your dance studio. Bundle it with property coverage for savings in a BOP.
BEST FOR
- Slip-and-fall accidents
- Damaged student property
- Libel and other advertising injuries
Business owner’s policy
A business owner's policy, or BOP, is a cost-effective way for dance studio owners to buy general liability coverage and commercial property insurance together.
BEST FOR
- Bodily injuries from accidents
- Accidental damage to a student's property
- Stolen or damaged business property
Professional liability insurance
Professional liability insurance covers financial losses related to the quality of your work. For example, it will pay for legal defense costs if a student claims that your negligence led to an injury.
BEST FOR
- Professional negligence lawsuits
- Injuries from your instruction
- Work mistakes or oversights
Workers’ compensation insurance
Most states require workers' comp for dance studios and dance schools that have employees. It also protects sole proprietors from work-related medical bills that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Employee injury lawsuits
Commercial auto insurance
Commercial auto insurance covers the cost of an accident involving a vehicle owned by your dance studio business. Each state has its own requirements for auto liability insurance.
BEST FOR
- Property damage caused by your vehicle
- Lawsuits from an auto accident
- Vehicle theft and vandalism
Cyber insurance
Cyber liability insurance helps your dance studio recover financially from data breaches and cyberattacks. It's strongly recommended for any business that stores customer information.
BEST FOR
- Customer notification costs
- Fraud monitoring services
- Cyber extortion payments
Looking for different coverage? See more policies.
How much does insurance cost for sports and fitness professionals?
A small dance studio with only a few employees will pay less for insurance than a larger business.
Factors that affect premiums include:
- Classes offered, such as swing, ballet, ballroom dance, or Zumba
- Business equipment and property
- Business income
- Types of insurance purchased
- Per-occurrence and aggregate limits
- Deductibles
- Claims history
How do I get dance studio insurance?
It's easy to get dance studio insurance and dance instructor insurance if you have your business's information on hand. Our application will ask for basic facts about your company, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application.
- Compare insurance quotes and choose policies.
- Pay for your policy and download a certificate.
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance program for your dance studio, whether you work independently or hire employees.
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FAQs about dance studio insurance
Review answers to common questions about dance studio insurance.
How do I insure dance equipment that travels with me?
Commercial property insurance only covers your building and its contents, which is why you may need additional coverage for dance equipment that travels outside of your studio.
Inland marine insurance protects dance studio sound systems, ballet barres, rolling mirrors, portable dance floors, and other equipment while it's in transit, stored off-site, or used at shows, competitions, and venues. This type of coverage will reimburse you for damaged, lost, or stolen equipment, no matter where it's located.
You can usually add this equipment coverage to your commercial property insurance or business owner's policy.
What are the most common exclusions for dance studio insurance?
Dance studio insurance policies may have the following exclusions:
- Athletic participant exclusion: If your dance studio holds competitions or recitals, your general liability policy (sometimes called public liability insurance) could exclude coverage for any liability claims related to training for the event, competing, and performing.
- Communicable disease exclusion: Most insurance policies exclude coverage for communicable diseases. For example, they won't cover legal costs related to an illness that spread at your dance studio, or business interruption costs from an outbreak of COVID or other communicable disease.
- Designated premises exclusion: Premises liability insurance with this exclusion, in particular general liability, is only valid on your business premises. If you decide to take your students to a park for an outdoor dance class, your policy might not provide coverage.
- Age restrictions: Your insurance company might restrict coverage to dancers above a certain age. If some of your dancers are younger, any related claims will not be covered.
These are just a few examples of common exclusions faced by dance studios. It's best to speak with a licensed agent to make sure you're getting the right coverage for your studio's unique risks.
Can I get insurance if I rehearse at multiple dance studios?
Yes, you can get coverage for any number of dance studios or other places where you offer lessons.
You can do this by adding the other studio or venue as an additional insured on your policy. Or, you can ask the studio to add you to their policy as an additional insured.
Dance teachers who work at multiple studios should make sure they're covered at each location, so they don't end up paying for accidents or lawsuits out of pocket.
Should I get social media insurance for my dance studio?
Showing off your dancers' skills on a social media channel or website is a great way to promote your business. It's also a convenient way to share their progress with friends and family.
However, posting photos of your customers brings risks as well. If you don't get permission before using the images, your business could face a lawsuit.
Fortunately, general liability insurance covers advertising injuries, which includes most claims related to social media. It protects against claims that you infringed on someone's copyright, perhaps by using music on a video without permission, along with other privacy and copyright claims.