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Dance instructor insurance

If you own a dance studio, you know that anything can go wrong when you least expect it to. Whether it’s an instructor who pulls a muscle or a student who slips and falls on a damp floor or even a fire that forces your studio to close for a few months, there’s no way to predict when something will go south—and leave you and your business with the bill.

That’s why you need a set of reliable dance school insurance policies. When you get dance instructor and liability coverages, you’ll have the peace of mind that comes from knowing your dance business is protected no matter what happens.

Most common types of dance insurance

Workers' Compensation

If one of your employees gets injured or sick at work, this will pay out for lost wages and medical costs.

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Business Owner's Policy

A bundle of coverages that includes general liability, business property insurance, and business interruption coverage.

General Liability

Dance instructor liability insurance protects your business if you get sued by a third party.

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Commercial Auto

Covers the vehicles you use primarily for your dance business (whether they’re personally owned or owned by the business).

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Accident Medical

If a student (or any other participant) gets injured at your dance class, this coverage pays out for their medical costs.

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How much does dance instructor insurance cost?

The cost to insure a dance business will depend on where you are and how big your payroll is, but it’s more affordable than you probably think. For example, customers have gotten their liability insurance for dance teachers for as little as $35 per month through Huckleberry. And Huckleberry workers’ compensation has gone as low as $27 per month for dance instructors.

Dance instructor insurance Q&A

• What is covered by a dance instructor insurance policy?

  First, know that there’s no one policy called “dance instructor insurance.” But that doesn’t mean you should go uninsured, because dance businesses face plenty of risk. In general, dance businesses should purchase at least general liability, workers’ compensation coverage, and a Business Owner’s Policy. Getting an accident medical policy is a great idea, too, since there’s a pretty good chance that a student will eventually get injured at one of your classes.

And, finally, if the business owns a vehicle (or if you own a vehicle that you use primarily for business purposes), you’ll need a commercial auto policy to stay legal.

• I need a certificate of insurance. How do I get it, and does it cost extra?

  Good news: If you’re a Huckleberry customer, it’s easy to generate as many copies of your Certificate of Insurance as you like. It’s fast and completely online. Just visit our Certificate of Insurance page.

• Who is Huckleberry Insurance?

  Huckleberry offers small business insurance that works for small business owners. 100% online and hassle-free. Get your estimated rate in 60 seconds.

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