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In a space you’ve rented or your own home studio – wherever dance takes you, accidents, slip-ups, and unexpected events can hit hard. From public liability insurance for dance teachers (built to cover injuries and damage) to personal accident policies for your own incidents, our cover works to protect the business you’ve built.
We’ll start off with public liability insurance – a popular protection for the ballet and dance industry. You can also include employers’ liability cover, for any team members you’re legally required to insure. From there, you can pick and choose the covers that may suit your business, from personal accident insurance to business and office equipment cover.
Public liability insurance for dance teachers
In case your dance business causes an injury or property damage.
Employers’ liability insurance
In case anyone gets ill or injured while working for your dance business.
Business and office equipment insurance
In case something happens to your essential kit.
Legal expenses insurance
In case you have to pay legal costs connected with your dance business.
Personal accident insurance
In case anyone you’ve covered is accidentally injured, at or outside of work.
In case your dance business causes an injury or property damage.
Claims against your business for:
If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.
For example:
Read more about public liability insurance
In case anyone gets ill or injured while working for your dance business.
Claims against your business for:
**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:
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.
In case something happens to your essential kit.
For example:
Read more about business and office equipment insurance
In case you have to pay legal costs connected with your dance business.
For example:
Read more about legal expenses insurance
In case anyone you’ve covered is accidentally injured, at or outside of work.
For example:
Read more about personal accident insurance
This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions
Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
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10% of our customers paid up to £38.32 a year for a public liability insurance policy between 1st April 2023 - 30th June 2023. Equivalent to £3.19 per month based on a monthly cost when paying for the policy in one annual payment. Paying monthly is usually more expensive as you'll pay interest. Most customers pay more than this but some pay less.
£7.53 /month
£55.28 /month
A part time dance teacher taking a few lessons a week in the local hall
Public liability
£1,000,000
Employers’ liability
Not included
Contents & business equipment
Not included
£25.23 /month
£224.3 /month
A small dance company who teach all ages
Public liability
£2,000,000
Employers’ liability
£10,000,000
Contents & business equipment
£10,000
How we work out example quotes These examples are real quotes from our online system (created 20/01/2021). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.
Insurance cover | Lowest excess | Highest excess |
---|---|---|
Public liability | £100 | £2500 |
Employers' liability | No excess | No excess |
Tools | £60 | £500 |
Stock | £100 | £500 |
Business and office equipment | £50 | £750 |
The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.
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Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.
Which type of workers do I need insurance for?
Does dance teacher insurance cover my work correctly?
Do I need cover for other types of work?
Which public liability cover limit should I choose?
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.
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?
If you provide other services, make sure you’re covered:
Other types of insurance
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.
Our team of UK-based insurance experts are here to help, Mon 09.00am - 05.30pm, Tues 09.00am - 05.30pm, Weds 09.00am - 05.30pm, Thurs 09.30am - 05.30pm, Fri 09.00am - 05.30pm, Sat 09.00am - 02.00pm
Call our team
Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive. The figure below is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.
Paying 80% of settled claims within 24 hours in 2022
Having freelance dance teacher insurance through Simply Business has saved professionals thousands of pounds when the unexpected happened.
While driving to the studio, Freya (not her real name) suffered severe whiplash during a road traffic accident, with a sprain to her neck and spine. The optional personal accident insurance in her dance insurance policy covered Freya’s medical costs and lost income.
£780.95
Covering the cost of personal accident
£100
The excess amount stated in Freya’s policy terms
We started out as a team of five back in 2005. We’ve grown since then with 900,000 customers across 1,500 trades now trusting us to provide their business insurance.
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Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about dance teacher insurance. You can also check out our business insurance FAQs.
Public liability insurance will be a key cover for many dance teachers – it’s built to cover you for injuries and property damage, if your student or another member of the public makes a claim. Is there a risk that your student could get injured and sue for compensation, for example, because of your work?
Alongside dance teacher public liability insurance, you may want to add cover for things like your essential business kit and equipment. And if you employ anyone (including contractors or temps), employers’ liability cover is usually a legal requirement.
This depends on your business, the students you’re working with and the venues you’re teaching in. There’s no legal requirement to have public liability insurance in place, but many venues won’t let you work unless you do, usually at a pre-specified level. If your business was held responsible for a third party injury or property damage, dance instructor public liability insurance could step in to cover the costs.
Yes. You may start offering additional services that require you to use different skills or carry out different tasks. If you find yourself in this situation, it’s important to give us a call on 0333 043 8527 to update your policy before you take on this new work. If you don’t have the correct type of cover in place for the work you do, you may be unable to claim on your policy if something goes wrong.
You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:
If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly instalments.
This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.
If you employ people, you’re required by law to have employers’ liability insurance.
There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions
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