Dance instructor with students

Insuring Your Dance School or Studio

Dance is an expressive art form, but it is also an excellent way to improve physical and mental wellness. Students of all ages benefit from participating in dance. From improvements in cardiovascular health, balance, and strength to boosts in cognitive performance and mood, the benefits of dance encompass all areas of health.

If you own and operate a dance studio, you can feel great about guiding your students as they take those exciting first steps. You’ve worked hard to prepare your students, but is your business insurance adequate enough to protect you in the event of an accident or injury?

Studio owners run the risk of personal exposure to lawsuits through a participant’s injury claim and liability insurance requirements mandated by lenders or landlords. Our Specialty Insurance Program for Dance Schools and Studios is designed to help eliminate the financial and emotional burden one can incur as a result of a lawsuit or participant injury claim.

Accident Coverage

If a student or staff member is injured, Accident Coverage will pay for eligible expenses more than the deductible amount, up to the maximum medical benefit.

General Liability Coverage

In the event of a lawsuit or property damage, General Liability Coverage protects your dance studio, owners, instructors, and employees against claims of bodily injury liability, property damage liability, personal and advertising injury liability, and the litigation costs to defend against such claims.

In addition to Accident and Liability Coverage, there are several optional insurance programs to consider, including:

Independent Contractors

Independent contractors working at your studio can be added as additional insured to cover them while they are instructing at your facility only.

Equipment Coverage

This Inland Marine insurance product provides coverage for your equipment and contents up to the specified limit.

Hired and Non-Owned Automobile Liability Coverage

This liability coverage provides protection for rented, borrowed, and other non-owned vehicles driven on dance school or studio business.

Excess Liability Coverage

This coverage provides additional liability limits increasing the liability coverage per each occurrence.

Increased Aggregates

This option increases the aggregate limit of liability insurance from $1,000,000 to larger amounts.

You’ve taken great care in building your dance studio business – from selecting the perfect location to designing your studio to hiring instructors – be sure to protect it with an insurance package designed to meet your business needs.