Without a doubt! IFG’s dance instructor insurance program affords protection for many of the most popular dance classes and other fitness regimens. No matter how you Jazzercise, Dancercise, or Zumba, rest assured you have the full backing of a stout insurance program made just for dance instructors.

If you change studios, you’re still covered—at least, that’s what happens when you team up with Insure Fitness Group. Some policy providers won’t offer flexible and mobile coverage, but we’re totally on board with career flexibility. They offer portable coverage, which means no matter where you move within the U.S, you’ll enjoy full coverage.

Liability insurance covers you in the event a claim is filed against you while your insurance policy is in effect. Let’s break down coverage by our insurance sections:

• General liability: broad coverage that applies to third-party claims against you for injuries or property damage. When a student enters your dance studio, you assume the risk for providing a safe environment. Something as simple as a loose rug that causes a trip and fall injury can result in an expensive claim being filed. For general liability claims, they provide coverage limits of $1 million per occurrence and a $3 million annual aggregate.
• Professional liability: coverage that applies specifically to the professional services you provide. Dance instructors give the chance for a claim to be filed against them when a routine results in an injury. As easy as it is to turn an ankle during rigorous physical activity, dance instructors bear a good amount of professional liability. That’s why IFG provides better-than-most coverage limits with $1 million per occurrence and $3 million annual aggregate.

We know dance instruction is just as often one-on-one working with a gifted ballet student as it is working with a whole group of senior citizens. There’s no one way to be a dance instructor. Wherever and however you choose to provide dance instruction is completely up to you—you’ll still enjoy full dance insurance coverage.

Of course! We highly recommend every dance instructor—independent any beyond—cover their career, themselves, and their futures with insurance. It’s likely that you will not have much coverage provided from wherever you are providing your service. This leaves you financially responsible for anything that happens during a class that might cause damage or injury. Dance insurance helps to shift the burden of having to pay for events like these from the instructor to their insurance provider

Here’s the unique thing about occurrence form policies—you’ll be protected for your coverage term, even if a claim arises after your policy has expired. That means that if a claim arises that took place during the time you were covered; we’ll still take care of you retroactively—even if your claim is currently expired. Claims made policy is the opposite—once your policy is done, it’s done. They won’t cover any incidents that occurred during your policy if your contract has expired.