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Dance Instructor Insurance

Get top-rated dance insurance for classes, one-on-one sessions, and more.






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.

A man dances in street clothes and a hoody.
a dancer leaps through the air.

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.

dance partners tango in formal clothes.

Coverage Details

General & Professional Liability Limits

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.


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.


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


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.


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.


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.


The amount we deduct from a claim before paying up to your policy limits.


Optional Add-ons

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.
$2,000 – $10,000

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.


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.

Included when added

Coverage for a third party, such as a business, property owner, event organizer, or employer. It cannot be used for employees, friends or family, other trainers, yourself, or other businesses you may own.


Coverage for multiple third parties, such as a business, property owner, event organizer, or employer. It cannot be used for employees, friends or family, other trainers, yourself, or other businesses you may own.


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Questions About Dance Instructor Insurance

Choosing the right insurance is critical.
You can’t afford gaps in your coverage that could put you out of business.
Play Video about dances rehearsing together in a dance studio.

Need additional information before making a decision?

Give our team a call today at 844.520.6993

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Get A FREE Dance Instructor Waiver!

Dance Insurance + Student Waiver = Greater Protection

When used with dance school insurance, a waiver can help you protect your business from claims. Download a free waiver and get protected with Insurance Canopy today.

NOTE: A waiver does NOT take the place of an insurance policy or guarantee any legal protection.
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*Not currently available 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.