Most dance insurance covers the teacher. This covers the whole studio, your instructors, staff, space, and floor, including the pole, aerial, and recitals a lot of carriers won't touch. Most dance studios we insure pay about $129 a month, and coverage starts at $24.
Dance studio insurance is one policy covering the studio as a business, the instructors you employ, your 1099 choreographers, your staff, your space, and your floor, mirrors, and sound system. It covers the classes a dance studio actually runs, including ballet, jazz, tap, hip-hop, heels, contemporary, ballroom, and dance-fitness, for adults and for kids.
It also covers what most policies leave vague. Pole and aerial are covered, which a lot of carriers decline, you just pick the aerial option when you apply so it's classified right. In-studio recitals and performances are covered too, and if you host a bigger showcase or run a competition team, tell us when you get a quote and we'll set it up.
Dance teachers and studio owners usually get pushed into instructor-level coverage: a solo-teacher or association plan that protects the person, not the business. The moment you sign a lease, bring on instructors, or build out a studio with sprung floors and mirrors, that coverage doesn't reach far enough.
We cover the whole studio under one policy, and you bundle your instructors and 1099 choreographers under it instead of relying on each of them carrying their own. You're priced and classified as a studio, not as the highest-risk thing the word "dance" might imply.
A studio's risk concentrates in a few places. Here's where each coverage earns its place.
Covers the injury claims a studio sees: a dancer slips on the floor, a parent trips in the lobby, a prop falls during a recital. It includes the legal defense, at $1M per occurrence and $3M aggregate, and it's the coverage your landlord writes into the lease.
Learn more →Your product is instruction, so this is the one generic policies quietly leave out. If a student says an instructor's correction, spotting, or choreography caused an injury, professional liability answers it.
Learn more →A real pain point in this industry, and the coverage instructor policies most often skip. Dance is hands-on and close-quarters, and studios work closely with kids and teens, so abuse and molestation coverage belongs on the policy. It's included.
Pole, aerial, and acro are covered under our aerial application, which a lot of dance-school carriers decline outright. When you apply, pick the aerial option so your studio is classified correctly and the coverage is in place.
Your sprung and marley floors, mirrors, sound systems, barres, costumes, retail, and build-out. Business personal property covers them at replacement cost, so a fire or burst pipe doesn't come out of your pocket to reopen.
Learn more →If you have instructors on payroll, most states require workers' compensation for on-the-job injuries. It isn't part of the liability policy, so you add it where your state requires it.
Learn more →Most dance insurance is sold at the instructor level. Here's what that leaves out, and what a studio policy covers.
| Coverage area | Instructor / individual policy | Studio policy |
|---|---|---|
| Covers the studio, not just the instructor | ✗ | ✓ |
| Bundle instructors and 1099s under one policy | ✗ | ✓ |
| Pole and aerial classes | Usually excluded | ✓ |
| In-studio recitals and performances | Often silent | ✓ |
| Competitions and comp teams | Often excluded | Yes, tell us at quote |
| Sexual abuse and molestation | Often excluded | ✓ |
Here's what dance studios actually pay, next to a typical generic small-business quote for the same studio.
Typical studio premium is about $129/mo ($1,546/yr), with most studios between $1,000 and $2,300 a year, pulled June 2026 (Studio Fitness class, a small sample, so treat it as a guide). Coverage starts at $24/mo. Your rate depends on studio size, location, the classes you run, and coverage limits. See full pricing details.
We're gym owners. We built insurance that prices a studio like a studio and covers the whole business, not a solo-teacher policy stretched to fit. PushPress has been in fitness for 20+ years, and we built the insurance product directly with A-rated, reinsured carriers, so there's no broker in the middle and no extra fees on your premium.
One application, a quote in about five minutes, and you can bind the same day with your certificate of insurance available immediately, which matters when a landlord needs proof. Available in the 48 contiguous states.
Don't let high costs or inadequate coverage hold your gym back. Protect your business and your students with insurance built for you.