Dance Studio Insurance in Massachusetts

What is Dance Studio Insurance?

Establishing a dance studio requires a substantial investment of both time and money, and the resources that are poured into this type of business ought to be protected whenever possible. Dance studio insurance helps studios in Massachusetts shield themselves from a variety of covered risks.

Dance studio insurance is a specialized kind of commercial insurance that’s tailored to meet the unique needs of dance studios. Most of these policies are written as package policies, which means they have multiple coverages within them.

What Businesses in Massachusetts Need Dance Class Insurance?

Broadly speaking, the majority of dance class programs and dance studios in Massachusetts can benefit from the protections afforded by this type of insurance. These businesses include both programs that rent space as needed and studios that have a more permanent facility.

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What Coverages Does Dance Class Insurance Make Available?

As mentioned, dance class insurance policies normally come with several protections. Some of the coverages that a given policy might offer include the following:

  • General Liability Coverage, which may cover common accidents resulting in injury or property damage
  • Professional Liability Coverage, which may cover errors that instructors make while teaching
  • Sexual Abuse and Molestation Liability Coverage, which may cover accusations of inappropriate conduct by employees
  • Medical Payments for Participants Coverage, which may cover injuries that participants’ sustain during classes or performances
  • Business Property Coverage, which may cover business-owned buildings and contents kept in them

In addition to these protections, studios might also want coverage for private events like birthday parties.

An insurance agent who specializes in this type of commercial insurance can help studios select the coverages that are right for them. Which make sense for any given dance business depends on that business' particular situation.

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Do Dance Studio Policies Come with Workers Compensation?

Workers compensation coverage typically protects against workplace injuries and illnesses that employees could sustain, and the coverage is normally required by state law if a business has employees. Whether workers compensation is included in a dance studio policy depends on the specific studio policy in question, though. Sometimes the coverage is included, and other times it’s purchased separately as a stand-alone protection.

Are Aerials Covered by Dance Studio Policies?

Standard dance studio policies typically aren’t intended to cover areal maneuvers like those that an acrobatics or gymnastics group might do. Studios that do more than ground-based dances typically have some more advanced insurance needs that require a slightly different kind of commercial policy. 

Is Insurance Necessary If Class Participants Sign Waivers?

While waivers might provide some legal protection in certain situations, any protection that these documents afford is usually different from what an insurance policy provides. For this reason, studios generally should have insurance in addition to any waivers their legal counsel recommends.

How Much Do Dance Class Policies Cost?

Premiums for dance class policies vary because they’re based on many different factors. For example, a business’ size, location, activities and past claims history can all have an impact on cost.

Even allowing for variance between policies’ premiums, however, dance studio policies tend to be quite affordable. Because policies can be adjusted to individual businesses’ needs, studios generally pay for only the protections they need.

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How Can Programs in Massachusetts Get Dance Studio Insurance?

For help finding dance studio insurance, contact Roger Butler Insurance. Our independent insurance agents have worked with many dance programs in Massachusetts, and they have the expertise necessary to help you find a policy that will give your business robust protection.

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