Dance Studio Insurance

Finding the Best Dance Studio Insurance

Greg Lewerer | June 18, 2018
Cropped shot of a group of people dancing together in a studio

Whether dancing to you is an art, a sport, a hobby, or a career, it’s hard work. And that hard work, and your studio, deserve to be protected. Because even though you can out-dance the competition, challengers like fire, natural disasters, and major injuries are harder to beat.

Finding ideal coverage to ensure recovery can be a tough dance to learn. Our independent insurance agents will be there to walk you through your options. All to make sure your studio is properly protected.

What Is Dance Studio Insurance?

It’s your basic business insurance with an extra helping of liability insurance. This will help to cover the unique risks of dancing like physical injury and ruined careers. It will also protect your property and equipment.

It’s important that your dance studio has coverage specific to your needs and not, say, a bakery’s needs. That’s why working with an independent insurance agent, like one of Trusted Choice’s 250,000, is in your best interest. They’ve seen it all and help protect businesses just like yours for years, so they know exactly what you need. 


Why Do I Need Dance Studio Insurance?

Dance isn’t all grace and athleticism, it’s also hard work and a fair amount of blood, sweat, and tears. Dance studio insurance absorbs the risks and protects you from the aftermath they may cause. 

Reasons why it’s a good idea:

  • Because all businesses carry risk.
  • Because your dancers’ health and career are in your hands.
  • Because bankruptcy is never fun.

What Does Dance Studio Insurance Cover?

Dance studio insurance is tailored to the particular risks of your business. An agent will help you trim the stuff you don’t need and beef up what you do. Here’s what that entails:

  • Business property: This covers expenses if your building(s) and equipment are damaged by fires, theft, or natural disasters.
  • General liability: This type of coverage is for all the ways dancers can accidentally hurt themselves at your studio, like tripping over an extension cord.
  • Professional liability: Also called errors and omissions insurance. This covers mistakes instructors make. If they advise a student to do something that harms their health or career, this insurance covers lawsuit costs.

There are also a number of standalone policies available. Coverage options can include protection for vehicles and equipment if your studio travels for competitions. An agent will be able to walk you through your risks and how to protect against them.

How Much Does Dance Studio Insurance Cost?

The cost of dance studio insurance depends on the policy. Factors like size, location, number of dancers and teachers will also play a major role. 

For example: A tiny dance studio that only trains hobbyists could pay as little as a few hundred in premiums a year. However, most dance studios will pay in the thousands because of their liability, especially if they work with professional dancers.


Finding Dance Studio Insurance Quotes

Quick quotes are great, but when it comes to dance studio insurance, it’s worth waiting for an accurate number. Insurance companies can sometimes cut corners on critical coverage to save time. 

Our independent insurance agents will review your needs. Find and compare policies and quotes from multiple carriers. And make sure you have the right coverage at the best possible price.

The Benefits of an Independent Insurance Agent

Dance studio insurance is a specialized and confusing niche. Thankfully, you don’t have to go it alone. Our agents will walk you through a handpicked selection of options with language you can understand. So you know exactly what you’re getting.

Most importantly, they’ll be there to help you when claim time comes. The outcome of insurance claims can be strongly impacted by how the process is approached and handled. They've got your back!

TrustedChoice.com Article | Reviewed by Paul Martin

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