Dance Studio Insurance from Massachusetts Specialists

What is dance studio insurance? 

Running a dance studio in Massachusetts can be both fun and profitable, but a single disaster could jeopardize all that a dance studio does. Getting dance studio insurance is one way that gymnasts can better ensure their studio’s viability after a covered incident.

Dance studio insurance provides tailored coverages for businesses that offer dance instruction. Policies typically have a mix of liability and property coverages, affording robust protection.

Which businesses in Massachusetts need dance class insurance? 

Most Massachusetts studios that offer dance instruction should have dance class insurance. This broadly includes both youth dance programs and professional studios that have higher-level instruction.

What coverages are provided by dance class policies? 

Dance class policies usually have several of liability and property coverages. A policy’s specific offerings might include:

• General Liability Coverage: Might cover common accidents that occur within a studio’s space.
• Medical Payments for Participation Coverage: Might cover injuries sustained by class participants.
• Sexual Abuse and Molestation Coverage: Might cover sexual misconduct committed by studio staff.
• Professional Liability Coverage: Might cover instructors’ bad advice if it leads to participant injuries.
• Commercial Umbrella Coverage: Might provide supplemental liability protections for more expensive claims.
• Business Property Coverage: Might cover a studio’s building or leased space’s build-out, and equipment too.

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Do dance class insurance policies include workers compensation? 

Workers compensation is normally needed, per state law, whenever a business has employees. Thus, most dance studios offering instruction need the coverage for both instructors and desk staff. The purpose of it is to protect employees against costs associated with work injuries they might sustain.

Depending on the specific dance studio policy, workers compensation might be included within the policy. If the coverage isn’t part of an actual dance studio policy, then workers compensation can easily be procured through a standalone policy that’s purchased separately.

Do waivers negate the need for medical payments for participation coverage? 

Waivers might provide useful legal protection in certain situations. Having participants or their guardians sign liability waivers isn’t a substitution for insurance, though.

Waivers and insurance can provide two different types of protection. While waivers might help with a legal defense, insurance may help pay for that defense and any settlement.

Studios normally should have medical payments for participation coverage regardless of how they use waivers.

Are aerial maneuvers covered by dance class insurance?

Practicing aerial maneuvers significantly elevates the risk of participant injury. Thus, some coverage premiums go up when extending protection to aerials. For instance, medical payments for participant injury coverage would likely have higher premiums if aerials are included in the coverage’s protection.

Because covering aerial maneuvers is usually more expensive, not all dance class insurance policies extend coverage to aerials. There are policies available, however, that include aerials among their protections.

If coverage for aerial maneuvers is needed, this is something that an insurance agent specializing in dance studio policies can help find.

How much does it cost to insure a dance studio?

The cost of insuring a dance studio is based on many factors. Location, building size, types of classes, instructor experience and previous claims history are just some of the details that can impact cost. In general, however, premiums tend to be quite affordable. 

An independent insurance agent can help studios find out how much their insurance will be. Independent agents are able to compare policy quotes from different insurance companies, which makes it easy to see how competitive each company’s quote is.