$189 /YEAR
Insure Fitness Group has protected over 200,000 professionals with liability insurance protection. Get complete dance trainer insurance—including liability and identity theft protection—for just $189/year.
No Hassle. No Quotes. Immediate insurance coverage.
500+ Techniques Covered | Includes Online & In-Gym Training | Liability insurance coverage in all 50 States
Every Insure Fitness policy includes industry-backed protections built for dance instructors—no extras needed.
Protect Every Session—Stay Covered
Insure Fitness Group has protected over 200,000 professionals with liability insurance protection. Why’s that important? Because the average liability claim in our industry hits around $25,000. For just $189/year, get full dance instructor insurance—including $1 million/$3 million liability, $25,000 identity theft protection, and more—so you’re ready if the unexpected strikes.
Trusted & Accredited by the BBB
Insure Fitness Group is proud to hold an A+ accreditation from the Better Business Bureau—a reflection of our deep commitment to trust and putting our customers first.
Backed by Industry Leader Arthur J. Gallagher
Rest assured—your career is in good hands with Insure Fitness Group. We’re A-Rated (Superior) and proudly backed by Arthur J. Gallagher.
A-Rated (Superior) by AM Best
Insure Fitness Group’s insurance partner holds an A-Rating from AM Best—an industry-leading credit rating agency since 1899. This rating reflects strong financial stability and a proven ability to meet policyholder obligations.
Insure Fitness Group stands out from other insurance providers because we offer not only one of the most affordable options, but also provide occurrence form coverage. This is a type of coverage that covers claims related to incidents that happened during your policy period, even if your policy has expired.
Wouldn’t knowing that you’re protected—even if you no longer have an active policy with us—provide you with the ultimate peace of mind
There are two primary types of liability insurance: professional and general liability insurance. They are both necessary for every fitness professional.
General liability insurance: Commonly known as a "slip and fall" insurance policy, general liability insurance covers injuries that occur on your premises that are not directly related to your professional services. For instance, if a client trips and breaks their ankle on an uneven surface in your gym, this type of insurance would protect you from the resulting claims.
Professional liability insurance: Also known as malpractice insurance, professional liability insurance protects you against claims arising from actual or alleged professional negligence. For example, if a client drops a barbell and injures themselves during a workout under your supervision, this coverage would protect you.
These coverages protect professionals from liability for non-physical injuries or damages resulting from actions like defamation, false arrest, invasion of privacy, and copyright/trademark infringement in advertising and marketing. This is an additional coverage type that is included in an IFG policy.
Identity theft is an increasing threat. Identity Theft Protection assists in covering the expenses related to recovering your identity should it be compromised, ensuring your personal and professional identities are secure. This is an additional coverage type that is included in an IFG policy.
*MM = Million
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Not all dance instructor insurance is created equal. See how IFG stacks up against top competitors based on pricing, coverage, and included benefits.
| IFG | Hiscox | Insurance Canopy | K&K Insurance | NEXT Insurance | |
|---|---|---|---|---|---|
| Professional Liability (Malpractice) | $1MM/$3MM | Varies by state | $2MM/$3MM | $1MM | Varies by state |
| General Liability (Slip & Fall) | $1MM/$3MM | Varies by state | $2MM/$3MM | $1MM | Varies by state |
| Occurrence-Form Coverage | |||||
| Identity Protection Plan | |||||
| Immediate Coverage | |||||
| Access to Health, Vision & Dental Insurance | |||||
| Student Coverage Available | |||||
| Covers All 50 States | |||||
| Member Benefits Included | |||||
| Price | $189/YEARBUY POLICY | $270/YEAR (Starting Price) | $189.75/YEAR (Monthly Price) | $209/YEAR (Starting Price) | $269/YEAR (Starting Price) |
Still looking at options? See how our personal trainer insurance compares →
Claims that affect dance classes—studio rentals, school gyms, recitals, competitions, and conventions. These scenarios show why $189/year is a smart safeguard for ballet, jazz, hip-hop, tap, contemporary, and acro programs.
Scenario: During a contemporary duet, a student loses balance in a lift and lands awkwardly, tearing a shoulder labrum and missing work.
Coverage: Professional liability addresses allegations tied to instruction, choreography, progressions, and spotting technique. COIs with Additional Insured wording are available for studios and host venues.
Scenario: A dancer slips near the wings where rosin and moisture have built up, resulting in an ankle fracture and physical therapy.
Coverage: General liability responds to third-party bodily injury from premises hazards. COIs help satisfy landlord/studio rental requirements for dance floors and shared spaces.
Scenario: A minor sustains a hamstring tear while attempting oversplits with blocks; parents allege negligent warm-up, progression, and supervision.
Coverage: Professional liability protects against claims related to technique cues, progressions, and class safety. Participant waivers help, but they don’t replace insurance.
Scenario: In a crowded entrance/exit, two dancers collide during a quick change in the wings; one suffers an ACL tear and misses a season.
Coverage: General liability covers third-party injuries during events. COIs with Additional Insured and Primary/Non-Contributory wording are available for event organizers and venues.
The average liability claim in the fitness world can be costly. For just $189/year, get dance-ready coverage with quick COIs for studios, schools, recitals, and competitions—so you can focus on teaching.
Get Instant Coverage NowDance instructor liability insurance covers claims related to the day-to-day operations of your dance instruction career. For example, if a student sustains an injury in your dance class or slips on your premises, dance instructor insurance could help you avoid a lawsuit and the financial burden from a claim.
Dance teacher insurance from us also provides professional, general, and ID theft protection and personal injury/advertising injury coverage, and additional member benefits.
Teaching dance is rewarding, but it also carries risks that most instructors don’t think about until it’s too late. The reality is that even one accident can create financial strain or threaten your career.
Student Injuries Are Common
According to the U.S. Consumer Product Safety Commission, dance-related injuries send tens of thousands of students to emergency rooms each year. A single slip on a studio floor or a strained ankle during rehearsal could result in costly medical bills—and potential liability for the instructor.
Studios and Venues Require Coverage
Many dance studios and performance halls now require proof of liability insurance before allowing instructors to rent space. Without it, you may miss out on teaching opportunities or event bookings.
Real-World Claim Examples
A student sues a ballet instructor after tearing a ligament during a landing gone wrong.
A Zumba teacher is held responsible when a client trips on studio flooring and fractures a wrist.
A dance workshop is forced to pay out damages after a participant crashes into a mirror and shatters it.
Peace of Mind Beyond the Studio
Insurance doesn’t just protect you in the classroom. It covers you while teaching private lessons, online classes, and workshops, ensuring your career is safe no matter where or how you teach.
With comprehensive coverage, you can keep your focus on choreography, students, and creativity—while your insurance takes care of the “what ifs.”
Our dance instructor insurance covers over 500 fitness activities and training methods, making it the most comprehensive group fitness liability insurance coverage in the industry.
Absolutely. Our dance instructor insurance program affords protection for many of the most popular dance routines and other fitness regimens. No matter how you Jazzercise, Dancercise, or Zumba, rest assured you have the full backing of a stout insurance program made just for dance instructors.
As far as your coverage with us goes, nothing. We offer what’s known as portable coverage with our dance insurance policy, so that no matter where you decide to provide instruction, you will still enjoy full coverage through Insure Fitness within all 50 United States. We can only provide coverage, however, for the services that you are properly licensed for in the locale in which you operate. Always be sure to be well abreast of the regulations for dance instruction wherever you plan to teach.
Liability insurance covers you in the event a claim is filed against you while your insurance policy is in effect. Let’s break down coverage by our insurance sections:
General Liability: protects personal trainers from claims for injuries and other potential situations. With Insure Fitness, you have a $2 million per occurrence and $3 million annual aggregate for general liability claims.
Professional Liability: provides coverage for claims asserting you were negligent in your services and an injury or form of damage occurred as a result. Professional liability claims also come with a $2 million per occurrence and $3 million annual aggregate.
Personal Injury and Advertising Injury: This coverage protects you from liability for non-physical injuries or damages resulting from actions including defamation, false arrest, invasion of privacy, and copyright/trademark infringement in advertising and marketing.
Identity Theft Protection: We’ll cover up to $25,000 in identity restoration services for all IFG policyholders.
All of these coverages are available for $189/year, with no hidden fees.
Most definitely. We know dance instruction is just as often one-on-one working with a gifted ballet student as it is working with a whole group of senior citizens when you are putting on a mobile workshop at an adult care facility. Wherever and however you choose to provide dance instruction is completely up to you – you will still enjoy full dance insurance coverage through us.
Once you fill out an easy online application, pay your bill, hover your mouse over “submit” and click your finger, poof! You’ll receive instant access to proof of insurance through our state-of-the-art membership portal. Immediate coverage means not having to wait for approvals and proof of insurance to be snail-mailed to your residence.
Most definitely. Independent instructors and employees benefit greatly from having the protection of liability insurance for dance instructors. As an independent contractor, chances are good that you will not have much coverage provided by the entity where you are providing your service. This leaves you financially responsible for anything that happens during a class that might cause damage or injury. Dance insurance helps to shift the burden of having to pay for events like these from the instructor to their insurance provider.
With our occurrence form coverage, you will be covered for a claim that occurs while your policy is still active, even if the claim is filed years after your policy expires. Claims-made is just the opposite. After your policy expires, any claims filed are not usually covered. It doesn’t matter that when the event happened, you definitely had insurance. Because your policy has since expired, sorry, no coverage with a claims-made policy.
Almost any dance style you can think of teaching is covered with IFG’s all-inclusive dance instructor insurance policy. Zumba®, Jazzercize®, Barre, Biodanza—however you want to provide high-quality dance instruction to your students and still be covered is up to you. When comparing dance instructor insurance plans, be sure to pay attention to which dance activities are covered under the policy.
Some dance insurance plans out there only cover a limited number of core modalities and then charge a fee or just don’t cover anything outside of that. At IFG, we know variety is the spice of life and your career. Many of our covered professionals teach multiple modalities in order to provide the best experience possible for their students.
Definitely, some insurance for dance instructor programs will put limits on the number of hours that can be worked, only adding confusion to the process. We simplify the whole process by offering one low rate with no membership fee or other hidden costs incurred ever. $189 per year is all you will pay for great insurance coverage, no matter how often or how little you decide to offer instruction, whether that’s as an independent dance instructor, as an employee at a dance academy, or a sole proprietor running their own studio.