Looking for Dance Studios Insurance?
Protect your dance studio from student injuries, liability claims, property damage, and business disruption. Harper provides insurance for dance schools, performance companies, and multi-discipline studios, with fast certificates for landlords, licensing boards, and performance venues.
What is Dance Studios Insurance?
Dance studio insurance protects studio owners and operators from risks such as student injuries, instructor-related liability, property damage, and allegations involving minors. Coverage commonly includes general liability, professional liability, property protection, and abuse and molestation coverage. Landlords, licensors, and youth program regulations often require proof of insurance before leasing or operating a studio.
Student Safety Coverage
Protects against claims arising from injuries during classes, rehearsals, workshops, or performances.
Studio Property Coverage
Covers floors, mirrors, barres, sound systems, lighting, costumes, and other studio-owned equipment.
Abuse & Molestation Coverage
Provides protection against allegations of abuse, inappropriate conduct, or misconduct involving students.
Certificates
Fast proof of insurance for landlords, licensing boards, competitions, and performance venues.
Who Needs Dance Studios Insurance?
- Dance schools and academies : Businesses requiring specialized insurance coverage
- Competitive and performance-based studios : Businesses requiring specialized insurance coverage
- Professional dance companies : Businesses requiring specialized insurance coverage
- Multi-discipline movement studios : Businesses requiring specialized insurance coverage
Why Harper?
Dance Studio & Youth Program Expertise
Dance studios manage physical activity, youth supervision, and instruction under one roof. Harper understands the risks tied to student safety, instructor oversight, facility exposure, and performance liability, and places coverage designed specifically for studio environments.
Fast Proof for Leasing & Licensing
Commercial landlords and youth program requirements often require insurance documentation before approving leases or operations. Harper delivers accurate certificates quickly and assists with additional insured and endorsement requests.
Clear, Practical Guidance
We explain general liability, abuse coverage, property protection, and instructor liability in clear terms so you understand how coverage applies to your studio and programs.
Coverage Matched to Your Programs
Whether you operate recreational classes, competitive teams, performance companies, or multi-discipline instruction, Harper helps align coverage with how your studio operates.
Frequently Asked Questions
What insurance do dance studios need?
Most dance studios need general liability for student injuries, abuse and molestation coverage for youth programs, and property insurance for studio facilities and equipment. Professional liability may apply for instruction-related claims, and workers compensation is required if you have employees.
Is dance studio insurance required?
Yes. Commercial landlords typically require liability insurance as part of lease agreements. Many jurisdictions and youth program guidelines also require abuse and molestation coverage before allowing studios to operate.
How much does dance studio insurance cost?
Costs depend on enrollment size, age groups served, and activities offered. Smaller studios may pay $1,500–$3,000 annually, while larger studios with multiple disciplines or competitive programs often range from $3,000 to $8,000 or more.
Does insurance cover performance injuries?
General liability coverage may apply to injuries occurring during performances, recitals, or competitions when proper supervision and safety procedures are followed and the activity is within policy scope.
Does insurance cover abuse allegations?
Yes. Abuse and molestation coverage is designed to protect studios against allegations of abuse or inappropriate conduct involving students, including defense costs, subject to policy terms.
Can I add landlords or venues as additional insureds?
Yes. Studio leases and performance venues commonly require being added as additional insureds. Harper assists with issuing certificates and endorsements to meet lease, licensing, and event requirements.