Okay, dance instructors, it’s time for some real talk.
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.
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.
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.
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.
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.
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.