Dance Instructors Insurance

General Liability Insurance specifically designed to meet the unique needs of a U.S. based dance instructor directly supervising an individual or group engaged in dance activities.

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Pay as low as $179 for a rock-solid $1,000,000 Liability Limit that does not require you to join another expensive association, and receive your certificates of insurance IMMEDIATELY.

Beware of other programs that don’t cover punitive damages and that nickel and dime you to death with charges for each additional insured. Read the fine print in competitor’s programs.

If you’re the owner of a dance studio, click here to find out how to save up to 38% while getting the protection you need.


Limits Of Liability And Annual Premiums

COVERAGE OPTION 1 OPTION 2 OPTION 3 OPTION 4 OPTION 5 OPTION 6
Each Occurrence Limit $500,000 $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000
General Aggregate $5,000,000 $5,000,000 $5,000,000 $5,000,000 $5,000,000 $5,000,000
Products/Completed Operations Aggregate $500,000 $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000
Personal & Advertising Injury $500,000 $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000
Damage to Premises Rented to You (Fire Legal Liability) $300,000 $300,000 $300,000 $300,000 $300,000 $300,000
Medical Expense Payments (other than participants) $5,000 $5,000 $5,000 $5,000 $5,000 $5,000
Legal Liability to Participants $500,000 $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000
Professional Liability $500,000 $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000
Abuse, Molestation, Harassment or Sexual Conduct Defense Cost $100,000 $100,000 $100,000 $100,000 $100,000 $100,000
1-YEAR PREMIUM (Certified Instructors) $144.00 $179.00 $269.00 $519.00 $769.00 $1,019.00
(Must Indicate Certification.)
2-YEAR PREMIUM (Certified Instructors) $258.00 $323.00 $484.50 Not Available Not Available Not Available
(Must Indicate Certification.)
1-YEAR PREMIUM (Non-Certified Instructors) $184.00 $230.00 $345.00 $595.00 $845.00 $1,095.00
2-YEAR PREMIUM (Non-Certified Instructors) $331.00 $414.00 $621.00 Not Available Not Available Not Available

Rates are per instructor and are available 01-01-2015 to 12-31-2015.

Coverage is provided by a carrier rated A+ (Superior) by A.M. Best Company.

All Applicants- A $15 RPG fee is required by the carrier for all applications. An RPG fee provides group purchasing power for similar risks resulting in potential advantageous coverage terms, competitive rates, risk management bulletins, and rewards for favorable group loss experience.


Program Eligibility

Eligible Activities Include:

  • Acro Dance / Tumbling
  • Ballet
  • Ballroom
  • Belly Dancing
  • Clogging
  • Contemporary
  • Country/Western
  • Cultural/Ethnic
  • Flamenco
  • Folk Dancing
  • Hawaiian
  • Hip Hop
  • Irish
  • Jazz
  • Latin
  • Modern
  • Salsa
  • Scottish
  • Square
  • Swing
  • Tango
  • Tap
  • Tumbling (floor only, no gymnastics apparatus)
  • ZUMBA┬«

This program does not provide coverage for the operation, ownership or maintenance of a fitness, sports or dance facility. See our home page for more information.


Program Ineligibility

  • Instructors under the age of 18
  • Instructor’s employed as an exempt or non-exempt employee of a school, university or college

Exclusions: Please print the application for exclusions contained in this policy.


Risk Management Content

Visit our Risk Management page to access the following important content most applicable to Dance Instructors:

Sample Waiver/Release-Minor & Adult

Are Waivers Worth The Paper They Are Written On?

Before You Sign The Facility Lease Agreement

Collecting Certificates of Insurance From Vendors

Emergency Information / Medical Consent Form

This is not an all inclusive list, check out our Risk Management page for other articles, programs, videos, and forms.


Specialty Areas

  • Ballet Instructor Insurance
  • Ballroom Instructor Insurance
  • Belly Dancing Instructor Insurance
  • Clogging Instructor Insurance
  • Country/Western Instructor Insurance
  • Flamenco Instructor Insurance
  • Folk Dancing Instructor Insurance
  • Hawaiian Dance Instructor Insurance
  • Irish Dance Instructor Insurance
  • Jazz Dance Instructor Insurance
  • Latin Dance Instructor Insurance
  • Modern Dance Instructor Insurance
  • Scottish Dance Instructor Insurance
  • Square Dance Instructor Insurance
  • Cultural/ethnic Instructor Insurance