We realize that chatting about insurance is most likely not at the top of the list of things you want to talk about. It can be a little difficult to understand, with all the insurance and legal jargon, but we’d like to simplify it and highlight the reasons that you definitely need liability insurance for dance instructors.
Let’s get to it.
You work with people.
You’ve probably been told since the beginning of your career that because you work with the public, you need some type of liability insurance. Well, it’s true.
As a dance instructor, your work typically requires that you teach an array of people: various age groups, techniques and styles, and in different environments. Dance instructor liability insurance can cover you if one of your students pushes themselves too far and gets injured during one of your classes.
You use dance equipment or gear.
If you work with any sort of dance equipment, liability insurance coverage is a must. Again, if any of your clients were to be injured while using your equipment, you could be held liable.
Did you know that if your gear is damaged or even stolen that you can file a claim with your insurer and they may reimburse you for your loss? Under the inland marine coverage, the equipment you use for work can be insured.
You work in a studio.
Many dance studios require that you add them to your liability insurance as an additional insured to the policy. Doing so extends coverage to the studio if for some reason you were to be sued while teaching at their studio.
Assuming that you’re automatically covered by your studio’s insurance could be a major mistake. When it comes to your livelihood, it’s a good idea to do your research. Make sure you discuss liability insurance with your workplace.
Even if you do have insurance through your workplace, you may not be covered if you provide instruction off-site, while freelancing, or even while volunteering. Read your policy documents carefully, and if you find these exclusions that you could potentially be held liable for, it’s a smart idea to purchase your own dance instructor insurance.
Liability insurance for dance instructors is a smart (and affordable) investment.
Lawsuits are expensive. So expensive that they could ruin your career and future as a dance instructor. Attorney retainers and fees alone can cost you thousands. Litigation can also mean that you’d have to pay court fees, medical costs, and possibly even lost wages to the injured individual who sues you.
An annual policy from Canopy starts at $129 per year.
If you do the math, you’ll find that the cost and benefits of having dance instructor insurance far outweigh the possibility of enduring a lawsuit.
We realize that there are many insurance companies out there. We recommend that you do some digging to find out which policy is both affordable and comprehensive.
We’ve designed insurance with you in mind.
Our liability insurance for dance instructors includes general and professional liability coverage and a $3 million aggregate, which is the maximum amount an insurer will pay for covered losses during a policy period.
*https://www.investopedia.com/terms/a/aggregatelimit.asp
We believe that your profession as a dance teacher is more than just a job; it’s part of who you are. You should be able to practice with peace of mind—let us help you with that. Learn more about coverage details and get insured today.
