Insurance for Dance Teachers
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What is dance teacher insurance?
Dance teacher insurance (which refers to the many types of business insurance often taken out by dance teachers) helps you manage the cost of the day-to-day risks of doing business.
Working as a dance or ballet instructor can be a highly rewarding job, where every day is different. But there’s no doubt the role does come with certain risks.
Business insurance can help passionate dance or ballet teachers protect their growing business. Depending on the cover you choose, it could help you manage costs like a dance class injury or damage to your contents. This gives you peace of mind to focus on teaching your students to perfect their pliés.
Why do dance teachers need insurance?
Dance instructors may need business insurance to meet legal obligations and cover unexpected bills.
Rent a dance studio.
Perform in public.
Pay legal costs if you face a liability claim.
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What types of insurance do dance teachers need?
BizCover can help teachers find the right insurance for dance studios.
Tailor your quote to your business, compare cover, and buy online in minutes.
Popular cover types for Dance instructors:
Dance instructors may also consider:
How much does dance insurance cost?
The average cost of business insurance for dance or ballet instructors is $47 per month* with BizCover. However, the cost of your policies will depend on different factors, such as the types of dance classes you offer and the size of your business.
Factors influencing cost
Risks of the industry
Cover level amount
Annual Turnover
Number of Employees
Claims History
*Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get cover that works with the risks of your business
Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.
Unsure how much to choose? Think about:
Statutory Profession Requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to over yourself, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
Factors influencing cost
Risk of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get cover that works with the risks of your business
Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to over yourself, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
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^ Savings made from January 2024 to April 2025. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
Frequently asked questions
Public Liability insurance is one type of dance insurance you may wish to consider. It is designed to cover you if a third-party claim (such as a student, delivery person or a guest instructor) that your negligent business activities caused them injury or property damage. This could be something as simple as a student injuring themselves while performing a dance routine, or a parent slipping on an uneven part of the studio floor while picking up their child from class.
Personal Accident & Illness insurance is a type of dance insurance designed to support instructors if they’re unable to work due to illness or injury. Even in the most professional and well-organised dance environments, accidents can happen. This cover can help replace lost income while you recover, offering peace of mind for freelance teachers and studio owners alike.
You may find that many venues and contracts will ask dance teachers or studio owners to hold Public Liability insurance. If you lease a space or host group classes, not having insurance for your dance studio could potentially limit where you can work. It also offers protection against potentially costly legal claims, making it a smart investment even if it’s not required by law.
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Leanne P
So easy and simple thank you
Matilda K
Nice and easy thank you
Sally S
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