$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 sets itself apart by offering affordable coverage that doesn’t cut corners on protection. Our policies include occurrence form coverage—meaning you’re covered for any incident that happens while your policy is active, even if a claim is filed after your policy expires.
That means you’ll have lasting protection and true peace of mind, even after your policy period ends.
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 (Starting Price) |
$209/YEAR (Starting Price) |
$269/YEAR (Starting Price) |
Get instant, affordable protection trusted by 200,000+ pros—secure your $189/year coverage in minutes.
Still looking at options? See how our personal trainer insurance compares →
Compare our affordable dance instructor insurance rates with other providers and see why thousands of fitness professionals choose us.
| Insurance Provider | Annual Cost | Monthly Cost | Your Savings |
|---|---|---|---|
| Insure Fitness Group | $189 | $15.75 | - |
| Hiscox Insurance | $270 | $22.50 | Save $81 |
| NEXT Insurance | $269 | $22.42 | Save $80 |
| K&K Insurance | $209 | $17.42 | Save $20 |
Disclaimer: Monthly cost reflects the average monthly rate when paying the full annual premium upfront. Insure Fitness Group plans are billed annually.
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 deeply rewarding—but it comes with real risks that can catch even the most experienced instructors off guard. One unexpected accident or property damage claim can quickly turn into financial stress or even jeopardize your career.
The U.S. Consumer Product Safety Commission reports that tens of thousands of dance-related injuries send students to emergency rooms every year. Something as simple as a slick studio floor, a misstep during rehearsal, or a rolled ankle during warmups can lead to costly medical bills—and potential liability for the instructor.
More studios, gyms, and performance venues are requiring instructors to show liability insurance before renting space or holding classes. Without it, you could lose out on valuable teaching opportunities, workshops, or event bookings.
A ballet student tears a ligament after a botched landing and files a negligence claim.
A Zumba participant fractures a wrist after tripping on uneven studio flooring, and the instructor is held responsible.
A workshop attendee crashes into a mirror, causing major property damage the instructor must pay for.
These incidents are more common than many instructors realize—and even a single claim can be financially devastating without coverage.
The right insurance follows you far beyond the studio. It protects you while teaching:
Private, one-on-one lessons
Online or virtual classes
Group workshops and pop-up sessions
Classes taught in gyms, studios, rented halls, or community centers
No matter where your career takes you, you stay covered.
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.