Dance teacher insurance

Public liability insurance for dance teachers

In case your dance business causes an injury or property damage.

What’s typically covered by dance teacher public liability insurance?

Claims against your business for:

• damage to someone’s property, caused by your dance business
• an injury or illness caused by your business activities or products
• accidental damage or injuries caused by your employees

If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.

For example:

• a student trips over a bag of dance equipment while changing after one of your classes – she needs several stitches and will miss an audition
• you forget to put up a wet paint sign and a parent gets paint all over their new designer handbag, while waiting to collect their son

Read more about public liability insurance

Employers’ liability insurance

In case anyone gets ill or injured while working for your dance business.

What’s typically covered by employers’ liability insurance?

Claims against your business for:

• an injury or illness that happens as a result of working for you (including temps and casual workers)

**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:

• a student teacher you’ve taken on sprains their ankle during a class
• one of your employees trips over a dance mat on their way into the studio, breaking their wrist

Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.

Business and office equipment insurance

In case something happens to your essential kit.

What’s typically covered by business and office equipment insurance?

• theft of the equipment you use to operate, from your laptop to your sound system
• loss of your equipment
• flood, fire, or accidental damage

For example:

• your new sound system is stolen from the studio while you’re on holiday. It’s located by the police, but damaged beyond repair
• while hurrying down some stairs in the school you’re teaching at, your laptop falls out of your bag, smashing on the concrete floor

Read more about business and office equipment insurance

Legal expenses insurance

In case you have to pay legal costs connected with your dance business.

What’s typically covered by legal expenses insurance?

• legal costs attributed to your dance business
• property damage, nuisance, or trespass and associated legal costs
• HMRC, tax, and compliance issues, if they come up
• includes a tax advice helpline, a 24/7 confidential legal helpline, and crisis PR support to help you protect your reputation as a sought after dance teacher

For example:

• one of your students is refusing to pay their tuition fees, claiming you guaranteed them to achieve a specific grade – you need to pay for legal representation
• an employee brings a claim against you for providing an unsafe working environment, and you need to pay court expenses

Read more about legal expenses insurance

Personal accident insurance

In case anyone you’ve covered is accidentally injured, at or outside of work.

What’s typically covered by personal accident insurance?

• accidental injury or death at work or elsewhere, for anyone covered on the policy
• lost income, medical costs, and hospitalisation benefit

For example:

• you twist your ankle during class and can’t teach for over a week
• the student dance teacher you’ve hired traps their hand in the car door and needs to rest it for two weeks

Read more about personal accident insurance

Which type of workers do I need insurance for?

Employers’ liability insurance is a legal requirement if you employ people.

If you have people working for you, including bona fide subcontractors (BFSC), labour-only subcontractors (LOSC), part-timers, or full-time staff, employers’ liability insurance is required by law.

Read on for our simplified guide to the difference between labour-only subcontractors and bona fide subcontractors.

Does dance teacher insurance cover my work correctly?

Make sure you’re picking the right cover to protect you properly. It’s important to know that if you have another trade or job, you’ll need additional cover. For example, do you need to consider private tutor insurance or fitness instructor insurance?

Do I need cover for other types of work?

If you provide other services, make sure you’re covered:

• Dancer
• Actor (excluding stunt work)

Other types of insurance

• Limited company insurance
• Self-employed insurance
• Freelance insurance
• Consultant insurance
• Contractors insurance
• Sole trader insurance

Which public liability cover limit should I choose?

Think about the maximum possible loss your business could face in the event of a claim, and make sure you take legal fees and damages into consideration. You can choose from three levels of coverage – £1 million, £2 million, or up to £5 million.