Dance Instructor Insurance
With 25 years of trust in the health, wellness, and beauty industry, NACAMS licensed professionals are the best protected dance instruction professionals in the industry.
When you are protected by dance instructor liability insurance, you no longer have to worry about all the unpredictable scenarios that could possibly unfold on the property of your dance studio or during one of your dance classes. Instead you can focus on doing what you love—teaching your students to dance—and know that you will be covered in case of any accidents.
For the dance teacher who is wondering why he or she really needs dance instructor liability insurance, it does come down to the fact that accidents happen. When those accidents happen during one of your dance classes or on the property of your dance studio, then you may be the one being held legally liable to cover any damages.
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Why do dance teachers need liability insurance?
Even though it can be hard to imagine any one of your students suffering an accident so severe that he or she would choose to sue you for the damages, you must focus on the fact that this is indeed a possibility, even if the odds of it happening are small.
As an example, one of your students may fall during floor work within one of your dance classes. This fall could result in a broken ankle, and you might be holding your breath while you wait to see if this student or her parents choose to sue you for the medical bills and any other perceived damages.
When you have dance instructor liability insurance in place, such a situation would certainly still cause you, as the professional dance teacher, much distress. However, a whole lot of your anxiety also would be eased by the fact that your dance instructor liability insurance is designed to provide financial support and protection in these kinds of cases.
In other words, your dance instructor liability insurance policy would be there to settle the legal claims of the student with the broken ankle, so that you do not have to reach into your own pockets and drain your own accounts—possibly risking your whole business and career.
Fortunately, because the dance profession is not quite as risky some other realms, such as medicine or dentistry, the cost for dance instructor liability insurance should be reasonable. By looking around, you should be able to find a high quality dance instructor liability insurance policy for less than a couple hundred dollars per year.
When you consider this annual fee and the amount of peace of mind it can buy, it may then become clear that dance instructor liability insurance is a great deal for any professional dance teacher. After all, such a policy can provide you with a wonderful sense of security as you go about your daily business of running a dance studio or simply teaching dance classes.
Even if you believe the risk of a student suffering some kind of harm in association with your dance classes is so low that it is almost non-existent, it still pays to purchase dance instructor liability insurance. Just one legal claim against you could be too much to handle on your own.
NACAMS Professional Policy for Dance Instructors
Dance Instructor Insurance FAQs
Why should dance instructors get insurance?
As a dance professional, you get to call the shots for your career. Where you want to provide services, what type of service you want to offer, etc. Sure, you can choose not to get insurance. But all it takes is one slip, one torn muscle, one allergic reaction and your career and personal finances could be put in serious jeopardy without insurance protection.
Insurance pays for claims related to general and professional liability but also supplies coverage for other vital areas of your business. Rather than leaving your livelihood to chance, your NACAMS dance instructor insurance provides you with the safety net needed to let you focus entirely on building your business and offering a great client experience.
Is dance teacher insurance required to teach dance?
If you are renting a studio space, many landlords will require that you provide evidence of holding a liability insurance policy which also includes rental damage coverage. They may also require that you name them as an additional insured. Our dance instructor policy takes only minutes to sign up and you’ll receive instant proof of insurance so you can be sure you have coverage no matter where or when it is needed.
Why does NACAMS offer Dance Instructor insurance?
We believe professionals are the real leaders in health and wellness so we created a comprehensive insurance program tailored specifically towards professional’s needs. This serves the larger wellness industry by lending support for its critical role in bettering humanity's overall health. Find out more about NACAMS.
Is there dance insurance for students?
Absolutely. We provide dance instructor students with a full year of insurance coverage for only $55. The students-only program provides all of the same great coverage options at a discounted rate to help cultivate the next generation of health and wellness leaders. A popular option is to delay getting student dance instructor coverage until your program is nearing its end. That way, most of your first year on the job gets great professional-level dance insurance at a fraction of the price.
What types of dance does liability for dance teachers cover?
Dance instruction from Barre to Biodanza and more than 350 other health and wellness services are all covered under our sweeping program. While some companies only cover a select few dance programs, our insurance for dance instructors provides some of the best diversity of coverage options available on the market. Don’t see your dance listed? Contact our licensed agents to see if it can be added to our growing list.
Can I get dance instructor liability insurance if I teach in my home?
With our fully portable dance insurance program, your coverage applies no matter where you choose to offer dance classes within all 50 U.S. states. Whether you teach in your home or rent dance studio space, you’ll still have the same great coverage. Even changing employers or moving out of state doesn’t affect your insurance coverage through our program.
What kind of extra benefits come with dance instructor insurance?
To make our program an even greater value for members, we include hundreds of dollars in exclusive member benefits. Extras include:
- Access to MetLife Vision and Dental coverage
- Instant coverage with proof of insurance as soon as you check out!
- Stolen equipment coverage included at no extra cost
- A free professionally designed website to advertise your classes on the web
- Exclusive rental car and hotel discounts
- Special pricing with 50% off Air, 30% off Ground and more from UPS
- Free identity protection plan
What is included with the identity protection plan?
Our identity protection plan is included as an additional safeguard for you and your business. If your identity is ever compromised, you will receive up to $25,000 in identity restoration services from leading identity recovery specialists. Contact a licensed agent to go over all of the details of this ancillary protection program.
Why would a dance instructor need rental damage insurance?
Many dance instructors find it useful to rent space from a studio or a gym. When you rent this space, your lease agreement will probably require you to have insurance and will also detail your responsibility for any damage that occurs in the space while you are occupying it. Our policy includes up to $100,000 to cover any damages which commonly occur within rented property. Without insurance, your landlord can hold you personally liable and may seek legal action to recover the costs.
What is the benefit of an occurrence form policy?
Occurrence form coverage is the industry choice for dance insurance. Occurrence form says that whenever you file a claim, it’s covered, even if your policy has already expired just so long as the claim event falls on a date when the policy was still active.
This is very useful for fitness professionals because injuries can sometimes take time to fully manifest. If during that time your policy lapses and sometime thereafter the client finally files a claim, with occurrence form coverage you would still be covered. This is contrary to claims-made which says you have to file your claim while the policy is active in order for it to be covered.
What happens if someone has an allergic reaction to a cleaner I use?
This is an example of a seemingly mundane act that can end up costing a dance professional big money. When a client has an adverse allergic reaction, they may hold you liable for their medical bills and/or lost wages. That’s why our comprehensive dance insurance program includes generous limits for product liability. In fact, for claims related to product liability you are covered all the way up to $1,000,000 per occurrence.
How do you market yourself as a dance instructor?
To be competitive today, you really need an online presence. If you don’t have a website, you are losing clients to others that do. With our dance instructor insurance, you receive a free professionally designed website to help you promote your classes online.
What is the fastest way to get dance instructor insurance?
Our online application and check out process is super simple and really fast. In just a few minutes, you can have complete coverage, proof of insurance, and access to all of the great member discounts available through our program.
What is the best dance instructor insurance program near me?
The best insurance for dance instructors is one which is tailored to the profession. Our policies come with proper limits based on the industry - helping provide the right amount of coverage and keeping rates low.
To stand out from the competition, really good insurance programs should also include insightful safeguards that provide the best all around protection. Things like stolen equipment coverage, rental damage coverage, and even identity theft protection should all be included. But not stopping there, the best insurance program would also throw in loads of exclusive member discounts. Doing all of this at some of the best rates in the industry is just icing on the cake.
What is the best time to get dance instructor insurance?
For the best protection possible, you should consider insurance as soon as you begin your career. With our student insurance program you can get great coverage even while you’re still in school at a discounted rate of only $25 for a year.
How much insurance coverage does a dance instructor need?
Today’s professionals need the best all around coverage available. Our dance insurance combines appropriate limits, diversity of coverage, and an excellent member benefits program. Types of coverage/protection and associated limits include:
- Professional Liability (Malpractice) and General Liability (Slip and Fall): $1 million for each occurrence up to a $3 million individual annual aggregate.
- Product Liability (adverse allergic reaction): up to $1 million per occurrence.
- Rental Damage Coverage: up to $100,000
- Identity Protection: up to $25,000 in identity recovery services
- Stolen Equipment: up to $1,000 with a $250 deductible.
Where can I compare dance instructor insurance programs?
We developed a full Liability Insurance Guide for Complementary and Alternative Medicines and published it to our website so you have all the information you need in one place to make the best decision for you and your dance career.Among a host of useful information on insurance for health and fitness professionals, you’ll find a comparison of our program against leading competitors. We also recommend using TrustPilot to see unbiased reviews from verified members. TrustPilot is a review platform that independently gathers reviews in a pressure free environment. This gives you a great unblemished view of real members’ experiences with our insurance program. We are really proud to be rated on TrustPilot as Excellent with 4.6 / 5.0 stars.