Insurance for dance studios.

General liability, participant accident coverage, abuse and molestation coverage, and property for costumes, floors, and sound systems, for dance studios and competition teams.

What dance studios usually carry

General liability
Participant accident medical
Abuse and molestation coverage
Studio property, floors, and costumes
Recital and event coverage
Hired and non-owned auto
Workers’ comp

Watch for these in a dance studio policy

Acro, aerial, and poleAcro tumbling, lifts, aerial silks, and pole classes are often excluded or rated on their own. Tell us which classes you teach.
Recitals off siteA studio policy may not cover a rented auditorium unless the event is listed. Add the recital and the dress rehearsal.
Costumes and propsCostumes on hand before a recital can be a large share of your property. Check that the limit covers them at peak season and in transit.
Competition travelWhen the studio organizes travel to competitions, it takes on auto exposure. Hired and non-owned auto protects the studio when staff or parents drive for it.
Children in classStudios that teach minors need abuse and molestation coverage. Many policies exclude it or give only a small sublimit unless it is bought on its own.

What landlords and theaters ask dance studios for

Venue certificateRecital venues want to be additional insured for load-in, the show, and strike.
Additional insuredYour landlord, on general liability, for the studio.
Higher limitsSome auditoriums require $2M per occurrence or more, which an umbrella can supply.

Questions dance studios ask

Straight answers.

The questions we hear most, answered plainly.

Are dancers’ injuries in class covered?

Participant accident coverage pays medical bills for students hurt in class or on stage, often after their family’s own coverage. Liability answers claims that the studio was negligent.

Can parents help backstage under our policy?

Parent volunteers are usually covered for liability while they help. Many carriers want anyone supervising children alone to be screened first.

What if we rent the studio to other groups?

Groups renting your space should carry their own liability and name you on it. Without that, their accident can land on your policy.

How fast can I get a certificate?

Once your policy is bound, you request certificates from your client login, with the wording your contract asks for.

Can I pay monthly?

Yes. Most policies can be paid in full or monthly.

Health and wellness

Don’t see yours? See every industry, or tell us what you do and we’ll quote it.

Dental offices

Dental professional liability, General liability, Office property and business income

Chiropractors

Chiropractic professional liability, Licensing board defense, General liability

Physical therapists

Professional liability, General liability, Clinic property and equipment

Massage therapists

Professional liability, General liability, Products liability for oils and lotions

Med spas

Medical and aesthetic professional liability, General liability, Products liability

Optometrists

Optometric professional liability, General liability, Exam equipment and optical inventory

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