Dance Instructor Insurance
4.8/5 on
- A-rated carrier
- 24/7 online dashboard access
- Affordable, transparent pricing
- Monthly or annual payments
- Occurrence-form coverage
What is Dance Instructor Insurance?
Dance instructor liability insurance is a unique coverage designed to help you pay for accidental injuries and damages that occur while you’re teaching a class or running your business.
If a student breaks an ankle during a private lesson or accidentally rips the stage curtains during a rehearsal, dance insurance may help you cover the cost of medical bills, legal fees, repairs, and more.
Insurance Canopy covers you while teaching 300+ styles of dance, fusions, and children’s classes in most locations, including online and virtual classes. We can also help you insure your gear, such as costumes, props, and speakers.
Our nationwide coverage* lets you comfortably work in more than one place, such as studios, your home, community centers, and gyms.
How Much Does Dance Instructor Insurance Cost?
You can buy a dance teacher insurance policy for as low as $15/month or $159/year through Insurance Canopy.
Our base dance class insurance plan includes general and professional liability insurance. You can also add on optional coverages to better meet your needs, such as equipment coverage for just $1.33/month.
Do I Need Liability Insurance As A Dance Teacher?
You never know when a student might mistakenly pirouette into another person or backflip into a wall mirror. Studios might even require you to have liability insurance before they can hire you.
Having dance insurance may help you:
- Pay for most, or all, of a claim
- Stay eligible to teach in most studios
- Protect your equipment and gear
- Insure online and virtual classes
- Cover future claims, even after your policy ends**
You can buy a policy online in minutes and enjoy instant, same-day coverage with Insurance Canopy.
Coverage Details
General & Professional Liability
The most your policy can pay annually for bodily injury and property damage claims occurring during your coverage as a result of your business operations or professional services. For example, someone slips in your studio or is injured during a workout you were leading.
$3,000,000
General & Professional Liability Each Occurrence
The maximum the insurance carrier will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business and professional services.
$2,000,000
Products Completed Operations Aggregate
The maximum amount your policy will pay annually for claims of bodily injury or property damage due to an incident that occurred with a product during or after your class, such as a faulty piece of equipment injuring a client.
$3,000,000
Personal & Advertising Injury
The amount your policy will pay for claims arising out of one or more of the following offenses:
- False Arrest, detention or imprisonment
- Malicious prosecution
- Wrongful Eviction or Wrongful Entry
- Oral or written publications that slander or libels a person or organization
- Oral or written publication or material that violates a person’s right of privacy
- The use of another’s advertising idea in your advertisement
Included
Damage to Premises Rented to You
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$300,000
Medical Expense Limit
A no-fault medical policy that allows you to cover medical or funeral expenses for an individual up to the issued limit without deducting from the general liability aggregate limit. The injury or death must be as a result of a bodily injury caused by business operations.
$ 5,000
Deductible
The amount we deduct from a claim before paying up to your policy limits.
$ 0
Gear & Equipment Coverage
Also known as “inland marine,” it covers property that is movable or transportable in nature (e.g. supplies, equipment, or inventory) but excludes coverage for structures and items that are a permanent part of the structure. There are multiple tiers of coverage to choose from, starting at $1.33/month with a $100 deductible per claim.
$1.33 – $10.67/month
Cyber Liability Coverage
The maximum amount paid out in the case of a cyber attack on your business. Because this coverage is not automatically included in the standard General Liability Policy, you will need to opt into this coverage. See the application for additional coverage details for Cyber Liability Insurance.
$8.25 – $12.50/month
Diet & Nutrition Coverage
Coverage for additional services you offer clients, such as diet guidelines, meal plans, or the sale/recommendation of health supplements. These services are not covered by professional liability and require Diet & Nutrition Coverage.
$6.25/month
Additional Insureds
Coverage for a third party, such as a business, property owner, event organizer, or employer who could be named in a claim arising from your business operations. It cannot be used for employees, friends or family, other trainers, yourself, or other businesses you may own. Add one additional insured for $15, or choose unlimited additional insureds for $30.
$1.25 – $2.50/month
Sexual Abuse & Molestation (SAM) Insurance
Coverage for defense costs if you’re wrongly accused of sexual harassment or improper conduct.
$10.33 – $14.46/month
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They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026 -
Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026 -
Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026 -
Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026 -
Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025 -
Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025 -
So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025
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They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025Great experience, quick and easy to understand with what I needed for my business. Highly recommend!
FrankLynn Rae
October 28, 2025Very helpful customer service! Prompt, punctual, effective! No bots or long waits to get assistance.
Maria Ciccone
October 19, 2025 -
Canopy insurance has made affordable, band insurance needed for major venues. Thank you for your fast and easy service Stan Zizka's Del Satins
stan zizka
October 5, 2025Getting a vendor policy was quick and fairly priced compared to other quotes.
Kristine Fullerton
October 3, 2025Thank you so much
Steve Monreal
July 11, 2025 -
I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie Calaway
July 4, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025 -
Very easy to renew policy
Elyce Nissinoff
June 18, 2025Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025 -
Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More
Gretje Angell
June 18, 2025Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David Fox
May 18, 2025They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 18, 2025 -
everything is excellent
Radames Martinez
May 18, 2025Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!
Ishan Arvin
May 18, 2025Affordable for dance & yoga folk. Thumbs up!
Maia Claire
May 18, 2025
Insurance Canopy makes it easy to protect your business. Get liability coverage you can rely on today!
Questions About Dance Instructor Insurance
Does Insurance Canopy Provide Insurance for Dance Studios?
No, we unfortunately are not able to insure dance studios at this time.
Our insurance for dance teachers is a liability policy intended for instructors and the professional work they do.
Most of the coverage applies to injuries or damages your services cause to other people and property. It may cover some property damage in rented spaces, but it does not apply to property you own.
Dance studio insurance is a type of property insurance and is meant to insure a building you own. This is best for someone who owns their own dance company and is buying property to manage studios.
If you’re an instructor operating your own small business or working for other companies, dance instructor liability insurance is perfect for you!
What Insurance Do Dance Teachers Need?
The two main types of insurance dance teachers need are General Liability and Professional Liability. We combine both of these into one simple plan to make it easier for you to get coverage quickly and affordably!
You might also want coverage beyond a base plan. The most popular insurance policies for dance teachers offer:
- General Liability: Included in our base policy, this helps cover injuries or damages that happen in the location you’re teaching in, like a parent tripping over a speaker cord.
- Professional Liability: This helps cover injuries or damages caused by your professional advice like a student getting hurt while learning a more advanced move. It’s also included in our base plan.
- Damage to Rented Premises: This coverage (which is included in our base dance teacher insurance plan) helps cover accidental damage like scuffs left on the floor of a venue you rent for a dance recital or competition.
- Gear & Equipment Coverage (optional): This helps cover the equipment you use for teaching, like dance shoes, stretching bands, and balance boards.
- Cyber Liability Insurance (optional): If you take online payments or teach virtual classes, this helps cover the cost of a cyber attack.
Why Should I Carry Dance Instructor Insurance?
Having coverage for claims is just one of the reasons dance teachers need insurance—you also may need it to stay eligible to teach, protect your gear, and keep you safe wherever you choose to teach. A waiver isn’t enough, but paired with insurance, you’ll have the coverage you need.
You may have noticed some dance studios and gyms already have insurance for you while others don’t. Much like a fast-paced tango, it can be hard to keep up with (especially if you teach in more than one place). This is because some business insurance policies don’t cover employees or contractors. The best thing you can do is buy your own insurance policy.
Getting dance instructor insurance is quick and easy with Insurance Canopy. You’ll get a policy in your own name, have the freedom to customize your coverage, and be able to share your Certificate of Insurance whenever you need to!
If an accident happens, you can file a claim online at any time and not have to worry about going through someone else’s insurance carrier. You can also have peace of mind knowing you’re covered for most common claims, like a student injury in class.
Why Insurance Canopy for Dance Teacher Insurance?
Insurance Canopy is a top choice for affordable, top-rated liability insurance for dance instructors. We’re proud to serve more than 10,000 dance and fitness professionals around the country!
Getting a policy with us is simple, affordable, and reliable.
- Simple – It’s easy to purchase and manage your policy entirely online at any time.
- Affordable – Choose the payment plan that’s right for you. We offer monthly and yearly options.
- Reliable – Our policy meets or exceeds the insurance requirements most studios may require.
Plus, automatically gain access to exclusive benefits designed to elevate your dance instruction business — for no added fees, with even more coming soon!
You can enjoy quality coverage and customer service today when you buy dance insurance online from Insurance Canopy.
How Do I File a Dance Insurance Claim?
- Log in to your customer dashboard
- Click on “File a Claim”
- Provide information about the incident
- Submit your claim
Once you submit, our team will be in touch within 24–48 hours. We will then send your information to a claims adjuster who will contact you within 24–48 hours. They’ll provide you with your claim number and answer any questions you may have.
With our occurrence form coverage, you can file a claim anytime for accidents that occur during your policy period (even after your coverage has ended!). Make sure you still have your policy information, documentation of the accident, and the date it happened.**
Still have questions regarding our policies? Feel free to reach out to our licensed insurance agents. We are available Monday through Friday from 8am–8pm ET.
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*Not for sale in Missouri
**All customers who purchased a policy before 7/1/2024 will have a policy issued through Great American Insurance. This policy does not include occurrence form coverage and will be eligible to receive it after 7/1/2025.