All dance teachers need liability insurance to cover them in case something goes wrong during a class, for the majority of dance teachers, there are two insurance coverages in particular which should be considered – professional insurance and third party liability insurance.
If a student falls and hurts themselves while taking your class, either the student or the parents of the injured student will hold you responsible and threaten to sue you. A properly prepared insurance policy will cover you.
To help explain my point here is an example – lets say that a student fell and injured themselves because they had performed a move badly and they are claiming that you had not properly explained how to do it.
As a result the student is suing because it is their opinion that they were following your “bad” instructions. It is these types of situations where lawsuits creep up. An insurance policy specially designed for a dance instructor helps to cover this type of situation so the entire burden doesn’t fall on you or your studio. These students would be suing you due to professional negligence.
Caution- Wet Floors
Another main reason why insurance is needed…. let’s say a mat slipped during a routine because the floor was slippery. The student falls and lands heavily on their wrist and which results in a sprain.
They threaten to sue you for not ensuring the matt was secured properly before the class began. Another example could be if you were teaching a dance fitness class involving weights. A student trips over a weight that has been left lying around and hurts their knee.
These injuries have not resulted from your professional negligence but from your failure to maintain a safe environment – in these last two cases the third party liability portion of the policy would kick in.
What about employees?
If you have other dance instructors employed by you, then it would be best to help protect yourself as an employer in case a claim comes up due to a staff illnesses or injuries that are found to be a result of working for you.
What about the Building and Equipment?
Either you rent your studio space or you own your own building. Both scenarios require that you have equipment , inventory and office supplies. If your dance studio was set on fire tomorrow, without any property coverage, the entire cost to replace everything you own professionally would be coming out of your wallet.Its simple…insurance helps you keep dancing even when a bad situation reveals itself by having someone in your corner to help you financially and legally. After all the show must go on……