Dance Teacher Insurance - What Do You Need?

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Dance Teacher Insurance UK

Working as a dance teacher can be a highly rewarding job—especially when it comes to showtime. However the insurance market for it can be a little confusing, and there are a few questions online about what you do and don’t need. This guide will aim to answer all of them, covering exactly what you do and don’t need insurance-wise to safely operate as a dance instructor in the UK.

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Popular Types of Insurance for a Dance Teacher

Accidents can happen, and when they do it’s important to make sure you and your business are protected—this is where insurance steps in. There are a number of different types of insurance that might be of interest to a dance instructor, but every policy is unique, so it’ll ultimately be up to you to decide what you do and don’t need.

Common Types of Dance Teach Insurance & What They Cover
1.Public LiabilityInsures if a third party is injured or incurs property damage as a result of your work
2.Employers' LiabilityA legal requirement for any business that employs staff in the UK, coverage if a staff member becomes unwell or is injured due to their work for you
3.Professional IndemnityCoverage if a customer believes you work was ‘professionally negligent’—some insurers will also include coverage if your advice/teaching causes injury
4.Dance ShowsUnique to dance instructors, a specialist form of insurance designed to provide cover for losses/injuries to audience members during a live dance performance you’ve organised
5.Business EquipmentIf any of the equipment you use to support your business is damaged, lost or stolen this will cover the cost of replacing it
6.Personal AccidentIf you’re injured/unwell and unable to work, this will cover a % of your lost income

Our research indicated most dance teachers opt for a specialist Dance Teacher’s insurance policy. Many of the providers in the market will automatically include certain coverages in your policy free of charge. cover4dance, for example, will include Dance Shows and Business Equipment free of charge with your policy, so it won’t cost you anything more than you’d have paid otherwise.

Dance Teacher Insurance Examples

  • Public Liability: While entering your dance studio, a customer trips over an exposed wire. They’re injured and have to take 2 weeks off of work, so sue you for their lost wages.
  • Employers’ Liability: An instructor you’ve hired is injured while leading a class, using equipment you provided. They believe the equipment was faulty, and so sue you for losses as a result of their injury.
  • Professional Indemnity: A customer believes the plan you’ve put together for them isn’t of a high enough standard. They sue you for a full refund.
  • Dance Shows: A chair you’ve provided for a customer at a show breaks, and they hurt their head. They’re off work for 4 weeks, and sue you for their lost earnings.
  • Sports Equipment: Your studio is broken into overnight and some of your equipment is stolen.
  • Personal Accident: You’re injured in a cycling accident, and can’t work for 2 weeks.

FAQ’s

A quality dance instructor will require at least Public Liability and Professional Indemnity insurance. Most dance teacher insurance providers will bundle the two together for you. You may see it referred to as ‘Civil Liability’—all this means is that if a claim hasn’t been specifically excluded by your insurer, then it is included in your policy. Each insurer includes/excludes different things, so make sure to check beforehand.

If you employ anybody, even if only for a short time, then Employers’ Liability is a legal requirement. You can be fined up to £2,500 for each day you employ somebody without a policy, so make sure you’ve sorted one out before hiring.

Public Liability for dance teachers will cover you in the event that somebody incurs damages or injury as a result of your work. This could include your customers, members of the public or instructors from other businesses that you work with.

It’s the foundation of any dance instructor insurance policy—most instructors will have a policy. On top of that, many public gyms or businesses won’t allow you to operate or partner with them if you don’t have a policy, so if you do intend to work with other businesses then make sure you’ve got one sorted beforehand.

£1M is the minimum most providers offer for dance teacher insurance, which may be enough in many cases. However some dance teachers may need more, especially those regularly working in exceptionally high-value premises—say theatre productions or performances. Getting a higher limit is usually quite economical so if you’re on the fence it’s not too expensive to opt for a higher amount of cover.

Most freelance dance teachers will have a policy that includes, at minimum, Public Liability and Professional Indemnity. You might look for some of the optional extras mentioned in this article, such as Dance Show or Personal Accident, depending on your circumstances—Personal Accident can be especially useful for freelancers, helping to provide some of the income security that being an employee would offer. Simply put, you're likely to require the same coverages as a freelancer that you'd need for a larger business.

What insurance do I need as a dance teacher?

While every dance teacher is different, most will hold both Public Liability Insurance and Professional Indemnity Insurance. Most specialist dance insurers will provide both together, so you may not even have to pay more in order to have both—well worth it, in our opinion.

Employers' Liability Insurance is a legal requirement for any business employing staff in the UK—even if they’re a contractor, only working for you briefly or an intern or apprentice. You may not require a policy immediately, but if your business grows in the future then you’ll want to be aware of it.

Dance Shows insurance is fairly unique to dance instructors, providing liability coverage for any shows you’ve arranged with an audience (usually limited to 500 people, although more can be arranged—you’ll need to speak to your insurer to arrange this). Some of the best dance instructor insurers, such as cover4dance and PolicyBee include this automatically, so double check while signing up if it’s something you’ll require.

Sports Equipment can help keep the kit you use safe from theft, damages or loss—you might see it sold with Goods in Transit, which will cover you while you’re on the move, meaning your equipment is covered around the clock, whether it’s in your studio or vehicle.

Finally, Personal Accident Insurance can help secure your income if you’re unable to work due to injury or illness. It’s especially important for freelancers, who might lose all of their income if unable to work. If you’re not sure how you’d cover your bills/outgoings while unable to work, you’ll definitely want to consider it.

How much does Dance Teacher insurance cost?

A policy of £2M Dance Teacher Public Liability insurance is likely to cost around £57 per year. You can increase this to £5M for only a small additional fee, with the average cost around £66 per year. A ‘typical’ Dance Teacher’s insurance policy, including £2M of Public Liability, Personal Accident and £2,500 of Equipment protection will come in somewhere around £180 per year.

graph showing the average cost of dance teacher insurance in the UK
Average Cost of Dance Teacher Insurance
£2M Public Liability£57
£5M Public Liability£66
£2M Public Liability, £2,500 Equipment£77
£2M Public Liability, Personal Accident£163
£2M Public Liability, Personal Accident, £2,500 Equipment£183
£2M Public Liability, Personal Accident, £2,500 Equipment, 1 Employee£313

How can I find cheap Dance Teacher insurance?

Dance Teacher insurance isn’t particularly expensive—it’s well below the average cost of Public Liability in the UK. However, there are still a few things you can do to keep costs low.

Firstly, shop around—comparing providers will give you a good idea of how much you’re likely to need to spend, and you might even be able to take advantage of some special offers you come across. Then, if you still feel costs are still high, consider lowering your protection levels, but keep in mind that many businesses/clients might expect a minimum level of coverage, so you won’t want to go below that.

Keep in mind, also, some of the key factors insurers use to determine your insurance costs. Your age, years of experience and any previous claims you’ve made will all play a part, and while these are more difficult to change, they might help to explain why your costs are higher or lower than you were anticipating.

Where can I find the best Dance Teacher insurance?

What you define as the ‘best’ insurance is up to you. Some people would prefer costs as low as possible, and some might prefer a more personal (but more expensive) service. Consider what’s valuable to you beforehand—here are some things you might want to think about:

  • Referrals from other instructors
  • Coverage inclusions/exclusions
  • Support availability (24/7?)
  • Complementary add-on’s
  • Welcome bonuses/gifts
  • Online reviews
  • Price

Figure out what’s important to you, and then head to the market to find the best deal possible.

What Next?

If you’re still wondering about some of the coverages available to you, we’ve got more in-depth guides to explain what they are, what they do and what exactly they will or won't cover you for:

Find Public Liability insurance today.
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Luke Masters

Luke is a freelance research associate. Prior to NimbleFins, he worked at FreshMinds, Investigo and BMW. His work in data analytics, pricing, strategy and business development now help him write business insurance content to support SMEs. Read more on LinkedIn.

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