Specialty Coverage
Dance carries more physical risk than most tutoring specialties — falls, strains, and collisions during instruction, plus recitals and competitions at venues you don't control. Get covered starting at $200/yr.
Get a Dance Instructor Quote →Dance carries more physical risk than almost any other tutoring specialty on this site. Students fall during a routine, pull a muscle attempting a new move, or collide with each other in a crowded studio — and unlike a tutor sitting across a table from a student, a dance instructor is directly involved in the physical activity that causes the injury. That makes general liability the most important, and often the most detailed, piece of coverage a dance instructor carries.
Recitals and competitions add another layer. A studio recital at a rented theater, or a team traveling to a competition, both put you in a venue you don't control, often with dozens of students, parents, and props moving through a space at once. Competition venues in particular may require proof of insurance before your studio can even register.
Covers bodily injury during instruction — a fall, a collision, or a strain during a routine — plus property damage at your studio or a rented venue.
Covers claims that your instruction was negligent — for example, a claim that inadequate supervision or technique led to a student's injury.
Many studios, schools, and competition venues require this coverage before allowing a dance instructor to work with minors.
Recital theaters and competition venues frequently require instructors to add them as additional insureds before approving a booking.
If you operate a dance studio with several instructors, a permanent location, or a higher volume of students, an individual policy isn't the right fit — you need a center policy priced around your gross receipts and staff size.
See Center & School Options →It's factored into your policy, yes — the physical nature of instruction is part of what carriers price for. It doesn't mean you can't get covered; it means the general liability piece of your policy gets more attention than it would for a desk-based tutor.
Yes — let us know your travel and venue schedule when you apply. Competition venues often require their own certificate of insurance before your studio can register, and off-site recitals carry the same premises exposure as your home studio.
Tutoring through a school, studio, or platform as an independent contractor? Point them to our tutor custom-link program — every contractor buys their own coverage, naming the school as additional insured.