Dancers Insurance: Protection for Dance Professionals
Comprehensive Protection for Your Work
Call (888) 973-0016 to get a free quote now!
Protect your body, income, and peace of mind with customized dancer insurance. Perfect for performers, choreographers, and touring professionals. Get a quick quote today!
Dancing may be an art form, but it’s also a business. All businesses face risks, but dance comes with its own set of hazards. Whether you’re a professional dancer, a choreographer, or an event organizer, you need to protect yourself from accidents, injuries, and financial setbacks.
Need to protect your dance business? Dancers insurance is the answer. However, it’s also important that you’re able to make an informed decision when it comes to the insurance you buy.
Without the right coverage, a single misstep—onstage or off—could lead to lawsuits, medical bills, or lost income.
Whether you’re starting a brand-new dance-related business or just looking for a little extra peace of mind, this guide will help you make sense of dancers insurance.
What Is Dancers Insurance?
Dancers insurance is a type of event liability coverage designed for dance professionals in all shapes and forms. It protects against injuries, property damage, and legal claims that come from performances, rehearsals, and classes.
As a dancer, your body is your livelihood. A twisted ankle or torn ligament could sideline your career. Beyond that, you’re also working in environments filled with potential hazards like slippery floors, unpredictable stage setups, and even audience members who might trip over equipment.
Without proper insurance, you could end up paying out of pocket for someone else’s accident or your own medical bills.
Dancers insurance makes sure that if something goes wrong, you’re not on the hook. It’s particularly important for self-employed dancers, independent contractors, and anyone who isn’t covered by an employer’s policy.
How Does Dance Show Insurance Differ from Dance Studio Insurance?
Not all dance-related insurance policies are created equal. Dance show insurance (also known as event insurance) differs significantly from the coverage a dance studio or school might carry.
Dance Show Insurance
Short-term coverage for performances, competitions, and events. Covers venue damage, attendee injuries, and liability claims. Often required by venue owners.
Dance Studio Insurance
Long-term coverage for studios and schools. Includes liability for teachers, students, and owners, covering accidents and injuries during classes.
Performers & Entertainers Insurance
Broader protection for entertainers. Covers travel risks, costume damage, and lost wages from injury. Dancers may choose this based on their needs.
What Does Dancers Insurance Cover?
A good dancers insurance policy should provide pretty broad coverage but it should be specific to the risks you’re most likely to face. Standard policies often include:
General Liability Insurance
Covers bodily injury and property damage claims, protecting you if someone gets hurt at your event or if you accidentally damage a venue’s property.
Medical Expense Coverage
Helps pay for medical bills if an audience member, crew member, or fellow dancer gets injured at your event.
Property Damage Coverage
Covers damage to rented venues, stages, or equipment. Setup and takedown are the most likely times for damage to happen, but risk remains throughout the show.
Personal Injury Coverage
Protects against claims of libel, slander, or copyright infringement if, for example, someone accuses you of stealing choreography.
Liquor Liability Insurance
If alcohol is served at your event, this coverage protects against alcohol-related incidents. Usually required by hosts—not performers or vendors.
Exceptions Dancers and Dance Professionals Should Know
Like any insurance policy, dancers insurance has its limitations. Standard coverage usually doesn’t include:
Injuries to the Dancer Themselves
General liability insurance covers injuries to third parties, but if you get hurt, you’ll need personal health insurance or a specialized performer’s accident policy.
Extreme or High-Risk Performances
If your show involves fire, aerial silks, or stunts, your insurer might require additional coverage.
Equipment Theft or Damage
Unless you add property insurance, your costumes, props, and sound equipment may not be covered if stolen or damaged.
Events Outside of the Policy’s Scope
If your policy only covers one specific event, it won’t protect you for gigs outside that timeframe.
Who Benefits from Having Dancers Insurance?
For most professionals, $1 million in general liability coverage is a good starting point. Some venues will require you to show proof of insurance before allowing you to perform. That proof usually comes in the form of a Certificate of Insurance (COI), which your insurer can provide upon request.
Anyone involved in the dance industry can benefit from insurance. Here’s a look at who needs it most:
Freelance Dancers
If you perform at different venues, insurance gives you credibility and financial protection.
Choreographers & Instructors
Teaching dance comes with liability risks—students can get injured, and parents can sue.
Event Organizers
If you’re hosting a recital, competition, or dance festival, insurance protects you from unexpected legal claims.
Studio Owners
Long-term liability insurance helps protect the business, employees, and students.
Dance Troupes & Companies
Whether you’re a professional company or an amateur group, coverage helps safeguard against venue-related liabilities and injuries.
Frequently Asked Questions (FAQs) – Dancers Insurance
Get Your Free Ebook Now!
Everything you need to know about Contractors Insurance is right here.