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: broad coverage that applies to third-party claims against you for injuries or property damage. When a student enters your dance studio, you assume the risk for providing a safe environment. Something as simple as a loose rug that causes a trip and fall injury can result in an expensive claim being filed. For general liability claims, we provide coverage limits of $1 million per occurrence and a $3 million individual annual aggregate. 
• Professional liability: coverage that applies specifically to the professional services you provide. Dance instructors give the chance for a claim to be filed against them when a routine results in an injury. As easy as it is to turn an ankle during rigorous physical activity, dance instructors bear a good amount of professional liability. That’s why we provide better-than-most coverage limits with our $1 million per occurrence and $3 million individual annual aggregate.
• Product liability: coverage specifically when a product you use causes a student to have a bad reaction. A student’s allergic reaction to the muscle balm you offered could result in a claim that costs thousands. We provide up to $1 million per year for unfortunate events like these.

All of these coverages are available for $169/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, sole proprietors, and other small business owners all 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 from wherever 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 what activities are covered under the policy.

Some dance insurance plans out there 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 business. Many of our covered professionals teach multiple modalities in order to provide the best experience possible for their students.

Absolutely. When a student receives an injury or has their property damaged while in a class with you, they may seek legal action in order to get compensated. Our dance insurance plan was made for the modern dance teacher who faces many different forms of liability. With a stout protection plan in place, professionals can have peace of mind knowing that both the costs of the claim, as well as any legal defense fees are covered in the event of an unfortunate event such as a liability lawsuit. 

Are there any additional fees with dance instructor insurance?

Definitely not. Our dance instructor insurance plan was designed to be as transparent as possible so we never tack on hidden fees. When you explore your options for insurance, there’s a lot of plans out there that use a base rate then want to add extra fees for things like annual membership dues and for adding on additional covered modalities. Our plan does things a little differently by putting the full price you’ll pay with everything that’s covered right upfront so you know exactly what you’re getting and for how much.

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. $179 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.

Liability insurance is only any good if it actually provides coverage for the liabilities you face every day as a dance instructor. Liabilities come in several prominent forms. The pillars of your dance instructor liability coverage should include stout limits for general liability, professional liability, and product liability. Other considerations that add layers of protection - like identity protection, stolen equipment coverage, and rental damage coverage - should be included in more comprehensive insurance coverage programs. 

By joining our community, you get access to awesome benefits like being connected with more than 10,000 health and fitness instructors across the country, receive free access to business resources and e-guides, get access to our weekly member newsletter, and regularly receive our professionally-curated content.  

We know you want flexibility in your budget so we've partnered with PayPal Credit to offer a finance option that lets you pay for your policy monthly.  When you choose to pay monthly, PayPal Credit takes the total cost of your policy plus a small service fee and breaks it up over your selected duration.  

Using PayPal Credit is subject to a credit check and there is no interest if you pay off your policy within the first 6 months.  After 6 months interest fees may apply. 

Yes and yes. Many instructors choose to provide their dance instruction to children. Teaching a child a new skill and watching them master it can be incredibly rewarding. But working with children presents its own challenges. Different levels of physicality and maturity require instructors to be able to instruct children at their own pace. Children can’t always express if something in particular is bothering them so instructors bear an added layer of responsibility for the safety and well being of children performing physical activities under their supervision. For tips on keeping student safety a priority, see our recent blog post - “5 Simple Strategies for Client Safety”. Knowing full and well these risks for dance instructors, we created a program perfectly suited to the industry. We provide up to $1 million for each occurrence that might result in a claim and $3 million in total per year for each individual member. 

A lot of dance instructors think if they work for a dance studio then that policy alone is enough to cover them in the event of an accident or mishap. However, there’s a couple of problems with this approach if a calamity were to occur. First, the coverage that applies to you may not be adequate to cover the entirety of a claim. Since the studio controls what insurance they purchase, it may just be the bare minimum. Second, many group insurance plans use a shared aggregate over individual aggregates.

Shared aggregates mean there are multiple people on the policy that share the same coverage limits. If others in the group file claims and use up the limits before you do, you may be left with limited coverage should you require it. At just $179 per year, an IFG dance insurance policy gives dance teachers peace of mind knowing the entirety of the coverage is theirs alone.