Dance Instructor Insurance Cost
Wondering how much dance teacher insurance costs? This explainer breaks down how much you can expect to pay, what factors affect your price, and why liability insurance is worth it.
How Much Does Dance Instructor Insurance Cost?
Insurance Canopy dance instructor policies start at just $15/month or $159/year. This base rate applies to all dance teachers, regardless of your geographic location,* number of classes and styles you teach, or years of experience. This is why most of our instructors only pay $15/month for their liability insurance.
Your base dance policy comes ready to handle the most common claims — like student injuries and slip-and-fall accidents — with these essential coverages built in:
- General Liability
- Professional Liability
- Personal and Advertising Injury
- Products and Completed Operations
- Damage to Premises Rented
- Medical Expenses
We understand not all instructors have the exact same needs, which is why we offer additional coverage options. You only pay for the extra coverages that make sense for you. Options include:
- Gear and Equipment (Inland Marine) Coverage: +$1.33 – $10.67/month
- Sexual Abuse and Molestation (SAM) Coverage: +$10.33 – $14.46/month
- Diet and Nutrition Coverage: +$6.25/month
- Cyber Liability Coverage: +$8.25 – $12.50/month
Most dance teachers are fully covered by a standard general and professional liability policy at the $15/month base rate. About 30% add optional coverages and pay between $16 and $25 per month, and 8% pay more than $25 per month for multiple add-ons.
*Currently not for sale in Missouri.
Note: This data is based on customer payments for both monthly and annual payment plans.
What Types of Payment Plans Are Available?
Insurance Canopy offers two payment plans: monthly and annual.
Monthly payments
- Pay your insurance premium in monthly installments
- Base policy amounts to $180 in total for the year
- Ideal for businesses with tighter cash flow
Annual payments
- Base policy is equivalent to $13.25/month when paid up front
- Save up to 12% when you pay with one upfront payment
- Enjoy a full year of peace of mind
Either way, the annual premium for liability insurance is less than the average cost of an ER or urgent care visit.
How Much Does Each Coverage Type Cost?
Each coverage type’s cost depends on the amount of coverage you select, except for general and professional liability. These coverages are bundled together in the base policy, so there’s only one price for those.
General + Professional Liability: $15/month or $159/year
These are the two most important coverages for dance instructors. They protect you when your teaching or business operations cause injury to someone or damage to their property.
Examples:
- Student slip-and-fall injuries
- Damage to student property
- Damage to the space you rent
- Injuries caused by your instruction
Gear and Equipment (Inland Marine) Coverage: +$1.33 – $10.67/Month
Equipment coverage helps pay to repair or replace the portable gear you use for work if it’s stolen or damaged. It does not apply to permanently installed equipment or studio fixtures.
Examples:
- Laptops
- Portable speakers
- Bands and stretching aids
There are three tiers of equipment coverage, and all include a $100 deductible.
| Tier | Limits - Per Occurrence / Aggregate | Cost | Deductible |
|---|---|---|---|
|
Tier 1 |
$2,000 / $2,000 |
$1.33/month |
$100 |
|
Tier 2 |
$5,000 / $5,000 |
$5.55/month |
$100 |
|
Tier 3 |
$10,000 / $10,000 |
$10.67/month |
$100 |
Sexual Abuse and Molestation (SAM) Coverage: +$10.33 – $14.46/Month
SAM coverage is designed to help pay costly legal claims related to allegations of abuse, molestation, and sexual misconduct. There are two tiers of this coverage available:
| Tier | Limits - Per Occurrence / Aggregate | Cost |
|---|---|---|
|
Tier 1 |
$10,000 / $10,000 |
$10.33/month |
|
Tier 2 |
$25,000 / $25,000 |
$14.46/month |
Cyber Liability Coverage: +$8.25 – $12.50/Month
Cyber liability coverage helps pay recovery costs associated with data breaches, phishing, ransomware, and other cybercrimes. There are two tiers of coverage available, each with a $1,000 deductible:
| Tier | Aggregate Limits | Cost | Deductible |
|---|---|---|---|
|
Tier 1 |
$100,000 |
$8.25/month |
$1,000 |
|
Tier 2 |
$250,000 |
$12.50/month |
$1,000 |
Diet and Nutrition Coverage: +$6.25/Month
This coverage extends your liability coverage to include general nutrition advice.
Additional Insureds: $15/Year Each | $30/Year Unlimited
An additional insured is a person or organization who requests to be added to your policy so they’re also covered if a claim or lawsuit arises that involves your work.
Studios, landlords, and other employers often request this coverage.
What Factors Affect the Price of Dance Instructor Insurance?
Dance and fitness instructor insurance premiums are typically calculated based on things like the styles you teach, your geographic location, years of experience, and claims history. Insurance Canopy simply bases costs on two factors: the payment plan and the optional coverages you select.
Annual payment plans save you in the long run!
Adding optional coverages increases your premium cost but strengthens your base policy.
Can I Reduce the Cost of My Insurance?
With Insurance Canopy, you can support students with confidence, knowing you’re protected with high coverage limits at truly competitive rates. Here are some tips for keeping your costs low.
Pay Upfront
Pay for a full year upfront and avoid extra monthly fees.
Consider Unlimited Additional Insureds
If you teach in multiple studios or gyms, consider choosing the unlimited additional insureds add-on for $30, instead of adding them one at a time for $15 each.
Store Your Gear Safely
Keep any gear stored securely to avoid paying deductibles on stolen equipment claims.
- Customizable policy
- 24/7 online policy access
- Free additional resources
- Occurrence-based coverage*
- Instant certificate of insurance
- Online and multi-location coverage**
- Coverage for 100+ fitness modalities
- Trusted by 12,000+ dance and fitness pros
*All customers who purchased a policy before 7/1/2024 will have a claims-made policy. This policy does not include occurrence form coverage and will be eligible to receive it after 7/1/2025.
**Currently not for sale in Missouri.
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
How Do I Get a Quote?
Get covered quickly — in just 10 minutes or less! Start the checkout process, answer a few basic questions about your business, and select any optional coverages. After reviewing your policy details and submitting payment, you’ll receive an email and instant access to your certificate of insurance.
FAQs About Dance Instructor Liability Insurance Costs
Do I Need Extra Coverage if I Teach at More Than One Location?
No. Whether you teach at one studio, ten studios, or more, your standard Insurance Canopy Dance Instructor policy covers you for all of them.
Does My Insurance Cost Change if I Teach Online and in Person?
No. Your dance teacher liability insurance goes where you go! So, the same policy covers you for both in-person and online instruction at the same time.
Does Dance Instructor Insurance Cost More if I Teach Children?
No. The cost is the same regardless of your students’ ages. However, Insurance Canopy dance instructor policies do not cover classes for children under two years of age.
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.
Chelsea Ramsey, ACE CPT | Copywriter
Ohio-based copywriter and licensed insurance agent Chelsea Ramsey leverages her experiences as an American Council on Exercise (ACE) certified personal trainer, a role-playing game writer, and a former auto claims adjuster. She holds a bachelor’s in English from Ohio State University and a TEFL certification from Oxford Seminars. Before working at Veracity, Chelsea wrote for Zulily and trained clients at her local community center. She now writes to assist fitness professionals and entertainers in finding their ideal insurance policies.
Ohio-based copywriter and licensed insurance agent Chelsea Ramsey leverages her experiences as an American Council on Exercise (ACE) certified personal trainer, a role-playing game writer, and a former auto claims adjuster. She holds a bachelor’s in English from Ohio State University and a TEFL certification from Oxford Seminars. Before working at Veracity, Chelsea wrote for Zulily and trained clients at her local community center. She now writes to assist fitness professionals and entertainers in finding their ideal insurance policies.