Get Dance Instructor Insurance for Your Studio

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

Protect Your Dance Business With The Hartford

Being a dance instructor or owning a dance studio is rewarding work but comes with unique risks. Business insurance coverage from The Hartford can help with:

Medical bills for students or workers who suffer a bodily injury at your business
Replacing stolen equipment
Physical damages to your business’ building

Types of Insurance for Dance Studios and Instructors

We know that no two dance studios or instructors are the same. That’s why you need insurance coverage that moves with you as your business grows. To find the coverage that fits your needs best, you’ll want to compare your options. With The Hartford, you can customize your coverage to find the right balance for your business.

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

General liability insurance to help protect you or your dance studio from claims that it caused bodily injury or property damage.
Commercial property insurance to help protect your owned or rented building and equipment.
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 illness. 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. So, if your business owns any company cars, you’ll likely need this coverage in most states.

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 often vary. On average, our customers paid $1,019 a year for a BOP, or about $85 a month.¹Insurers use several different factors to determine business insurance costs, which can include:

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.

Do Dancers Need Insurance?

If 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. 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 against you.

These types of dance professionals may need insurance coverage:

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

Taking Care of Your Team

We know that the health and wellbeing of your team is important to keeping your dance studio running successfully. That’s why it’s crucial to have the right dance studio insurance to keep your business protected.

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

dance instructor car accident covered by commercial auto insurance

Employee Car Accident

“One of our instructors was on her way to teach Zumba at an event when she accidentally backed into someone in 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.

dance instructor injured by a puddle covered by workers' compensation insurance

Employee Injury

“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 if they need to take time off to recover.

Covering Your Operations

Accidents and injuries can happen when you least expect them. That’s why it’s essential to have customized business insurance designed to protect your dance business.

In 2021, fall-related injuries accounted for 33% 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

Student Injuries

“One of my students tripped in the dressing room before class and hurt her ankle. It was so bad that 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.

Power Outage

“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 that results from 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

dance studio damaged by fire covered by commercial property insurance

Fire Damage

“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.

Weather Damage

“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.