Insurance for Dance
Teachers, Studios, and
Teams
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Cover for your gear and equipment
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What is dance teacher insurance?
Dance teacher insurance is the insurance options designed to help protect your business against the cost of common risks, such as liability lawsuits, management mistakes, and lost or stolen equipment.
Working as a dance or ballet instructor can be a highly rewarding job, where every day is different. But if a student falls hard during a lesson or essential equipment is damaged, you could be stuck with a costly bill.
BizCover offers insurance options for a range of dance businesses and styles, including online and virtual classes. Our Australia-wide dance insurance can help protect your business finances, assets, and students.
Why do dance teachers need insurance?
Dance studios, schools, and teachers face common risks. Health and safety are paramount, and student injuries and
simple accidents could turn into expensive claims.
Business insurance can help dance instructors cover a range of unexpected bills, from legal fees and compensation to business interruptions and management issues (depending on the cover options selected).
Rent a dance studio.
Perform in venues or
public spaces.
Insure online and
virtual classes.
Protect your
equipment and gear.
Let’s cover your small business on the go
Start a quote to see how much you can save and buy online in minutes.
Who needs dance instructor insurance?
Dance professionals like these and many others may need business insurance:
Ballet Teachers
Choreographers
Dance Studios
Irish, Latin, and Cultural Dance Instructors
Jazz, Modern, and Contemporary Dance Instructors
Hip Hop, Club, and Street Dance Instructors
Belly Dancing Instructors
What types of insurance do dance teachers need?
Whether you teach salsa in a studio or manage a dance team, business insurance can provide essential protection.
BizCover offers insurance options for dance instructors, performers, and studios, including Public Liability, Management Liability, and
Contents.
Basic dance insurance options:
Additional dance insurance options:
Factors influencing cost
Risks of the industry
Cover level amount
Annual Turnover
Number of Employees
Claims History
*BizCover’s Customer Average Monthly Payment Report is based on 1 July 2024 to 30 June 2025 and presented as a guide only. It may not reflect pricing for your particular business, as individual factors will apply.
Get cover that works with the risks of your business
Choose up to $20 million in Public Liability cover, and Management Liability up to $5 million.
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.
How It Works – Buying Online
5 easy steps to get instant cover online today
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Pick Your Covers
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Get Covered Online
5 Steps to get your biz insured:
- Enter Occupation
Search & select your occupation
- Choose Cover(s)
Select the cover you need
- Business Details
Tell us about your business
- Compare Quotes
Compare prices & select quotes
- Get Cover Today
Instant policy docs to your inbox.
How To Make a Claim Online
We’ll assist you through the claims process & manage the claim directly with the insurer.
Let us know Fill out our
claims form and provide info
to support the claim
Receive extra support We
will assist you with your claim
Claim results We will notify
you of the claim outcome.
3 steps to get your biz insured:
- Let us know
Fill out our claims form and provide info to support the claim.
- Receive Extra Support
We’ll assist you with your claim.
- Claims Results
We’ll notify you of the claim outcome.
Award-Winning Tech & People
We’re not ones to blow our own trumpet, but we are pretty proud of our innovative insurance platform, outstanding team, and stellar workplace.
See How Much Others Have Saved By Purchasing a Policy Through BizCover
Colette
Disability Care Worker from
NSW
Saved
$1,200
on
Public Liability and Professional Indemnity insurance
Andrea
Beautician from
VIC
Saved
$1,500
on
Business insurance Pack and,
Public Liability and Professional Indemnity insurance
Deborah
Cleaner from
VIC
Saved
$3,600
on
Public Liability insurance
Lance
Electrician from
ACT
Saved
$800
on
Public Liability insurance
Stephen
IT Professional from
VIC
Saved
$1,500
on
Information Technology Liability insurance
Linda
Restaurant owner from
NSW
Saved
$1,000
on
Business Insurance Pack and
Public Liability insurance
^ 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
Many studios, venues, and work contracts require 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.
Even if business insurance is not required, Public Liability provides protection against potentially costly legal claims and offers important peace of mind.
Public Liability insurance is the most common type of cover taken by dance instructors and studios, as it is often required by work contractors and commercial landlords. It is designed to cover you if a third-party claims that your negligent business activities caused them injury or property damage. For example, if a student injures themselves while performing a lesson or a parent slips on a wet
floor while picking up their child*, this type of cover can protect you by covering legal fees or compensation.
Personal Accident & Illness insurance provides a weekly income benefit following an accidental injury or illness once signed off from work by a medical practitioner for a set amount of time. It can help replace lost income while you recover, offering peace of mind for freelance dance teachers and studio owners alike.
While not legally required, self-employed and freelance dance teachers may need some types of insurance to work. For example, Public Liability insurance may be required to teach as a contractor at established studios or to rent studio space.
Yes. Public Liability insurance can be customised to cover a variety of dance forms and classes taught in multiple locations.
With BizCover, it’s easy for dance teachers to make a claim on their insurance. Fill out an online claims form at any time, and track your claim through our online portal. We’ll manage your claim with the insurer on your behalf.
Hear from our customers
Processing and efficiency make it easy and a simple process to get the cover you need.
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So easy to renew, all done in simple email.
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So easy and simple thank you
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Nice and easy thank you
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