Whilst many standard business insurers choose to steer clear of dance classes or studio risks, our specialist dance instructor and studio policies provide tailored cover from a panel of hand selected insurer partners who appreciate the professionalism of the dance industry.
Your dedicated insurance advisor will talk you through the specific cover options, helping you to identify a policy that is right for your business and easy on your pocket!
Operating a dance studio or school represents some unique risks; Dance School Insurance provides a simple package containing all the different cover options required to protect the business, from public and employers liability to equipment and sound systems.
Whether you operate from a single studio location or across different locations, the starting point for any dance school policy should be public liability insurance, which provides indemnity against injury to third parties or damage to their property. If you employ dance instructors or other staff you will also need to purchase employers liability insurance to meet your legal responsibilities.
Other key risks for dance studios can include cover for the dance floor itself, audio visual and sound equipment and other contents such as dance mats, as well as money cover and loss of profits following a claim (business interruption).
Specialist cover for all types of dance schools, studios and instructors
Single location studios to mobile or multi-location schools
All types of classes covered from ballet, tap, jazz, modern or street dance
Public Liability including cover for self employed instructors
Products Liability for sale of equipment such as mats or shoes
Employers Liability for staff and instructors
Business contents, stock and sound equipment
Computer, tablet and office cover
Business Interruption (loss of profit) cover
Money, Legal Expenses and Personal Accident options
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During a salsa class part of the sprung floor collapsed causing the participant to fall, in the process of which he twisted his medial knee ligament.
The aggrieved party claimed damages and negligence of £5,000 from the schools public liability insurance policy.
Public Liability cover for freelance dance instructors can typically be arranged for less than £100 per annum (including insurance premium tax).
Full studio packages including equipment and contents start from as little as £250 (plus insurance premium tax). As each policy is tailored to your specific requirements it will depend on the studio location, cost of equipment and the number of class attendees.
It is always best to purchase as much cover as you can afford. Whilst limits of indemnity start from £1m, we would normally recommend £2m as a starting point for a dance school. You should consider the number of attendees and their specific demographics when reviewing your individual limit.
Where you rent or hire premises it is likely that the landlord or property owner will seek a specific public liability limit as part of the lease or hire agreement.
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