Insurance for Dance Instructors, Studios, and Teams
Dance has been an important part of ceremonies, rituals, celebrations, and entertainment since before the birth of the earliest human civilizations. Archaeology delivers traces of dance from prehistoric times such as the 10,000-year-old Bhimbetka rock shelters paintings in India and Egyptian tomb paintings depicting dancing figures from c. 3300 BC.
Many contemporary dance forms can be traced back to historical, traditional, ceremonial, and ethnic dances of the ancient period. Dance instruction nurtures students in the art and craft of movement, choreography, performance, rhythm, and self-expression, among other things.
While there are many physical and mental benefits to dancing, and although dance instruction and performance can be done in an incredibly safe manner, there are still risks inherent to teaching dance and operating a dance studio or school.
Even if the dance studio has taken all realistic precautions, it can still be held liable for injuries and other issues related to its events and facilities.
That’s why there are general liability insurance and accident medical insurance policies specifically geared towards dance studios and dance schools. Instructors and students alike can focus their attention on technique and aesthetics with the peace of mind that comes from participating in a properly-insured facility.
Types of Dance We Cover
We offer both general liability and accident medical insurance to dance studios that teach the following disciplines or styles:
Don’t see your dance system above? Contact us to find out if we can still insure you, your studio, or your upcoming tournament.
When an injury, such as a sprained ankle or broken leg, occurs, insurance coverage for your dance studio can alleviate worry and financial burden.
General Liability Insurance for Dance
Our general liability insurance policy provides coverage for claims and lawsuits that allege bodily injury or property damage.
General liability covers up to a specific amount to spectators and other non-members of your organization who file a claim or lawsuit against your dance business. Fortunately for policyholders, investigation of the claim and adjustment of any potential payout are taken care of by the insurance company.
General liability also covers property damage that may be due to negligence on the part of the named insured.
Accident Medical Insurance for Dance
Our excess accident medical policy helps pay for out-of-pocket medical costs for an injured dance student or instructor. Injuries do happen when participating in youth and adult dance classes, and an accident medical policy can keep injured students or instructors from facing a serious financial burden due to medical bills from an injury.
Covered individuals would encompass all registered members of your organization, including participants and volunteers, so long as the injury happened during a covered activity.
The policy pays medical bills for a member who is injured at your school or during activities you sponsor, if, either the member has no health insurance, or the medical bills exceed what the member’s insurance will pay.
How Much is Dance Studio Insurance?
You can expect an annual premium starting at $4.04 per student for Dance Studios. The calculation of students is based on the most active month of the year where enrollment is highest. This calculation is determined by the previous year’s enrollment activity and desired coverage.
If your dance studio has fewer than 115 enrolled students, there is a minimum premium of $475 plus fees, which equals around $520 per year.
If you are an independent dance instructor, we also offer individual insurance coverage. Contact us or complete the quote form to receive an estimate of insurance premium costs.
Dance Studio Liability with Participant Medical Insurance Coverage Details
The Liability Coverage ($1,000,000 Coverage)
Who Is Covered?
This program provides protection for your Dance School or Studio, owners, instructors, and employees against claims of bodily injury liability, property damage liability, and the litigation costs to defend against such claims. Coverage is provided up to $1,000,000 per occurrence with a general aggregate amount of $1,000,000. There is no deductible amount.
Coverage includes suits arising out of:
- Injury or death of participants
- Injury or death of spectators
- Injury or death of volunteers
- Property damage liability
- General negligence claims
- Cost of investigation and defense of claims, even if groundless
Exclusions & Ineligible Sports/Activities
Abuse/Molestation, Assault & Battery, Employment Related Practices, Total Pollution, Collapse of Temporary Structure, Fireworks/Pyrotechnics, Use of Trampolines, Inflatables, Diving Boards, Swimming Activities, Gymnastics, Cheerleading Pyramids, Skin & Scuba Diving, Snow Skiing, Water Skiing, Motor Sports, Rodeo or any Equestrian Related Sports, Polo, Mountain Climbing, Rock Climbing, Climbing Walls, Waterslides, Ballooning, Parachuting, Sale/Manufacture/Distribution of Athletic Equipment, Use of Saunas or Tanning Devices, Aerial Maneuvers or Silk Rope Activities More than 5 Feet off Ground.
Participants Medical Payments
All youth and adult students and staff members of the Policyholder are covered while participating in sponsored activities.
Maximum Excess Medical Expense Benefit
If the Covered Person incurs eligible expenses as the result of a covered injury, the Company will pay the cost of such expenses, which are incurred within a 52-week period following the date of the accident, beginning on the date of the accident. Payment will be made for eligible expenses, not to exceed the Maximum Medical Expense Benefit of $100,000, subject to a deductible amount of $100. The first such expense must be incurred within 90 days of the date of the accident.
This coverage is excess medical, commonly known as secondary coverage. Primary coverage of the injured party will be responsible for initial payment of medical expenses. This coverage pays expenses not paid by the insured’s primary insurance, subject to the plan deductible. This plan does not cover treatment or services payable under any other insurance or medical service plan available to the Covered Person.
Exclusions and Limitations
This Plan does not cover any loss due to or resulting from:
- Sickness or disease in any form, except pyogenic infections due to an accidental cut or wound.
- The use of drugs or narcotics, unless administered under the advice of a physician.
- War or any act of war, whether or not declared.
- Participation in any riot or civil commotion.
- Suicide or any attempt thereat or any self-inflicted injury.
The Optional Coverage We Provide:
who receive a 1099, can be added to coverage at your location only.
Sexual Abuse and Molestation:
$1,000,000 liability coverage is an option that can be added to protect you from claims that may arise out of alleged abuse and/or molestation.
Spectator Med Pay Benefit:
provides $5,000 in reimbursement medical expense coverage in case a spectator is hurt at your location, whether you are liable or not.
covers your contents and equipment up to a specified limit.
covered at no extra charge.
The General Liability with participant accident coverage included is provided by an “A+” (Excellent) rated by A.M. Best Company.
Dance Instructor / Teacher Insurance Coverage
Are you a dance instructor or teacher seeking liability insurance? Here are the specific reasons you’ll want to consider getting coverage.
- Protection against liability claims
- Coverage for property damage
- Participant injuries
- Studio or venue requirements
- Professional indemnity coverage
- Business interruption coverage
- Coverage for additional instructors or employees
- Professional reputation and credibility
If the studio you work for already has an insurance program, here are some additional reasons you may want to still have your own coverage.
- Coverage limitations
- Independent contractor status
- Personal assets protection
- Flexibility and control
- Continuing coverage
- Professional independence
- Professional development opportunities
- Long-term career considerations
Give us a call if you’d like to explore coverage and better understand these various dynamics that give you the peace of mind you’re seeking as a dance instructor.
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