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Who needs dance instructors insurance?
Dance instructors who teach students the basics of movement and various styles of dance either privately or in public settings should get professional and general liability insurance. Problems may arise when working with students who do not agree with certain approaches or methodologies; obtaining small business insurance is a great way to protect yourself while continuing to provide beneficial dance instruction services to your students.
Examples of other health professions we insure
Policies available for dance instructors
For most dance instructors, there are three main types of business insurance policies that are worth considering. Each type of insurance can provide its own unique aspects of protection to help you run your business with confidence.
Professional liability insurance for dance instructors
Professional liability insurance—also called 'E&O insurance'—provides several potential benefits to dance instructors, including coverage for personal injury (libel and slander, as examples), negligence, defense costs, and also claims against past-rendered services. Though claims such as fraudulent acts and property damage usually aren't covered by business liability insurance, this type of insurance is very important for professionals who regularly provide services, consultation or advice to their clients.
Here’s an example. A dance instructor who teaches young children had a class that included a child with special needs. The instructor modified the dance routine to make it easier for that child to participate. When the parents saw the class perform at the annual recital, they objected to the fact that their child’s part was not the same as the other children’s. They sued the dance instructor, but professional liability insurance covered the costs, including defense costs for the instructor.
If a student should react negatively to your work as a dance instructor, accuse you of breaching a confidentiality agreement or otherwise believe that they were bodily injured due to the instructions you gave in class, you or your business may be sued. Legal problems for small businesses can come in several different forms, such as advertising injury and similar claims.
General liability insurance for dance instructors
While professional liability coverage is very important for dance instructors, there are several scenarios that are not typically covered under this form of insurance. General liability—also called 'commercial general liability (CGL)'—covers instructors and studios against property damage, claims of bodily injury and associated medical costs.
As an example, a dance instructor is visiting a client’s home for a private lesson and accidentally knocks over an expensive antique vase. General liability insurance policy can protect the dance instructor against third-party claims of bodily injury, associated medical costs and property damage.
Though your property won't usually be covered under general liability insurance, damage sustained to a third-party property will be.
Business owners policy (BOP) for dance instructors
For many dance instructors, a business owners policy (BOP) may be the best choice. A BOP is a combination of general liability and business property insurance and is often used to provide coverage to small businesses with the aim of protecting valuable equipment.
If, for example, the studio a dance instructor rents for classes is damaged by a hurricane, and the instructor’s audio equipment is ruined, a BOP could cover the cost to replace the damaged equipment.
Why do dance instructors choose Hiscox?
At Hiscox, we understand just how much work goes into being a dance instructor. Whether you've opened your own business or are working in a studio, we can help you grow your career by reducing risk with our business insurance policies, allowing you to focus on providing exceptional instruction to the public.
Here are six reasons why our customers choose Hiscox above other providers for professional liability insurance and general liability insurance:
- Flexible payment options: We offer you the option of making monthly payments (with no additional fees) to help you manage your cash flow.
- Tailored insurance: We specialize in businesses like yours and tailor coverage to the risks in your field.
- Claims responsiveness: When a covered claim is reported, Hiscox will immediately assign a dedicated claims representative to assist you.
- Coverage for contracts: Our architects insurance coverage satisfies most standard contract insurance requirements.
- Worldwide coverage: A business insured through Hiscox is covered for work done anywhere in the world, as long as the claim is filed in the U.S., a U.S. Territory or Canada.
- Passion for service: Agents knowledgeable about your business concerns will provide you with excellent service—4.8/5 people surveyed recommended us.
Ready to learn more about how Hiscox insurance can help mitigate risk with dance instructors’ (or any other profession) insurance coverage? Get a fast, free quote online. If you have questions, call us at 1-866-283-7545 and speak with a licensed Hiscox insurance agent, Monday – Friday, 7am – 10pm ET..
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This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Coverages are subject to underwriting and may not be available in all states.