When you’re a dance instructor, you know that one of your biggest concerns is always whether or not your insurance is up to date. It’s important to maintain an updated policy in order to stay protected. To help you out, here are some things you should know about dance instructor insurance.
What do I need to know about Dance Instructor Insurance?
It is a necessity for anyone who participates in dance instruction. The types of coverage you need depend on the specific activity you are involved in as
a dance instructor, but some common coverage include:
-Medical Expense Insurance: This type of coverage pays for medical expenses that occur while teaching a class.
-Personal Injury Protection: This type of insurance provides financial assistance for personal injuries that occur while teaching a class.
-Deductible: If something bad happens during your class and you are required to file a claim, your deductible will help reduce the amount of money you have to pay out.
-Collision Coverage: This type of insurance covers your vehicle if it is damaged or destroyed while you are driving it to or from your class.
How much should I expect to spend on Dance Instructor Insurance?
When it comes to hiring a dance instructor, be prepared to spend a good chunk of change on their insurance. According to the Dance Teacher Insurance Council, the average cost of instructor insurance is $5,000 annually. However, this price range will vary depending on your location and the types of coverage you need.
In general, you’ll want to make sure that your dance instructor has general liability insurance in case something goes wrong during class. This type of coverage will help cover any legal expenses that may come as a result of any accidents or injuries that occur while instructing students. In addition, you’ll want to make sure your instructor has Workers’ Compensation insurance in case an employee is injured on the job. Finally, make sure they have automobile insurance in case something goes wrong with their vehicle while transporting students to and from class.
What are the different kinds of Dance Instructor Insurance?
Dance instructor insurance can protect you from a variety of risks, including liability for personal injury or property damage. Some types of coverage include:
Inland marine insurance for when you’re working on board a ship or fishing vessel
Workers’ compensation insurance for when you’re injured on the job
Auto insurance for when you’re driving to and from your dance studio
Homeowner’s insurance for when you have to leave your studio during a storm or other emergency
No-fault insurance for medical expenses if someone is injured while attending one of your classes
These are just a few examples. You want to make sure you have the right kind of coverage, based on the kind of work you do and the risks involved. Ask your agent about specific coverage requirements for your industry.
What is and isn’t covered by my Dance Instructor Insurance policy?
Your policy should cover you for things like accidents, injuries, and property damage. However, there are a few things that your policy may not cover. Here are a few examples:
-You won’t be covered if you commit a crime while performing as a dance instructor.
-You won’t be covered if you sue your students or their parents for damages.
-You won’t be covered if you’re fired from your job as a dance instructor.
Make sure to read your policy carefully to figure out what is and isn’t covered!
