Dance studio insurance

Whether you work in person or online, do one service or multiple, travel to your clients or work in one place, your Alternative Balance membership with insurance coverage is designed to protect your professional services.


With Alternative Balance, you can relax and focus on providing your service. You won't find coverage like this anywhere else! Start with our general & professional liability insurance, which includes defense costs coverage that takes the financial burden off your shoulders if someone gets hurt and makes a claim against you or sues you.


  • General & Professional Liability  
  • Products-Completed Operations  
  • Damage to Premises Rented to You  
  • Third-Party Medical Expenses  
  • Personal & Advertising Injury  
  • Defense Costs  


Plus, automatically get accident coverage which includes payments for medical expenses and accidental death, dismemberment and paralysis benefits for your clients who are injured – regardless of who is at fault for the injury. Visit our Coverage page for more information.

We offer optional Cyber Liability, which protects your business in the event of a cyber attack or hack. Sexual Abuse Liability is also available as an optional coverage.

Our plans cover Dance teachers who teach anywhere in the US or abroad.

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Dance Examples

What if??

Wondering what kind of claims could be covered by dance insurance? We've got some examples to make it easy.

  • General Liability: Barre breaks, participant falls and breaks their ankle.
  • Professional Liability: You are teaching someone how to do a certain move that requires assistance to learn, but you turn your back and the student gets injured, then they sue you because you were neglient in your teaching duties.
  • Damage to Premises Rented: One of your students in class falls out of a move and their elbow goes through the drywall while also knocking something over damaging the floor in your rented studio.
Note: These are just examples. Your claims adjuster will have the final say in coverage and payouts.

Dance Instructor Insurance


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Member Benefits

We offer more than just insurance. Our membership benefits include discounts on health & dental insurance, form templates to help you run your business and tools to manage your websites, marketing and more!

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Dance Instructor Insurance FAQs

Our Support FAQs have the answers you are looking for. If you still have questions, our Customer Service Representatives are eager to help.

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General & Professional Aggregate

The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business and professional services.

Products-Completed Operations Aggregate

The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services.  However, it does not cover products that are sold or distributed.

Damage to Premises Rented to You

This is liability coverage for property damage to a premise for which the insured is liable. This coverage applies to a property the insured rents or has permission to use.

Medical Expenses

Coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy. This does not apply to the named insured or their employees.

Personal & Advertising Injury

The amount that your policy will pay for claims arising out of one or more of the following offenses:

  • False Arrest, detention or imprisonment
  • Malicious prosecution
  • Wrongful Eviction or Wrongful Entry
  • Oral or written publications that slander or libels a person or organization
  • Oral or written publication or material that violates a person's right of privacy
  • The use of another's advertising idea in your advertisement

Defense Costs

Defense Costs coverage is included in your general & professional liability insurance coverage limits. Defense Costs refers to all the costs of defending against a lawsuit. These expenses include the cost of hiring a lawyer, court fees, investigations, gathering facts, filing legal paperwork, and other related costs.
This is often the most important aspect of protecting you if you are being held liable for bodily injury or property damage resulting from your services.

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