Dance Teacher Insurance

Keep your dance classes on rhythm with insurance for dance teachers. From Public Liability to Equipment insurance, your peace of mind is our priority.

Dance Teacher Insurance

Keep your dance classes on rhythm with insurance for dance teachers. From Public Liability to Equipment insurance, your peace of mind is our priority.

Flexible insurance cover tailored to the needs of dance teachers

Flexible insurance cover tailored to the needs of dance teachers

Whether you're teaching ballet in a studio, hip-hop and breakdancing in a community centre or contemporary dance in a school, your expertise shapes budding dancers.

While your primary focus is on teaching the next generation of dancers, potential risks -  such as students suffering injuries or causing property damage - can disrupt your business.

Learn more about the different types of cover available for dance teachers below:

Public Liability Insurance

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What it covers

Protection against claims made by students or third parties for injuries or property damage during your classes or performances.

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Why dance teachers might need it

Whether it's a visitor tripping over in your studio or accidental damage caused during an exhibition, public liability insurance makes sure you’re covered for any compensation claims made against you.

Professional Indemnity Insurance

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What it covers

Offers protection against claims of negligence, errors or omissions in the dance lessons or choreographies you provide.

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Why dance teachers might need it

As a dance teacher, you're trusted to provide safe and effective instruction. If there's a claim of improper teaching technique, a perceived error in your choreography or copyright abuse in your work, then this cover can help to protect your reputation and your finances.

Employers' Liability Insurance

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What it covers

Protection against claims from your employees related to injuries or illnesses sustained while working for you. Remember, this insurance is a legal requirement if you have employees.

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Why dance teachers might need it

Employers’ Liability insurance makes sure that you meet your legal obligations as an employer and provides cover in the event a current or former employee makes a claim for compensation against you.

Equipment Insurance

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What it covers

Protection for your teaching tools – from sound systems to portable dance floors – against theft, damage or loss.

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Why dance teachers might need it

Your equipment helps set the stage for your classes. A malfunctioning sound system or damaged props can disrupt your lessons and impact your income. Get covered to continue teaching without interruptions.

Why Choose Mode Insurance?

The world of dance is dynamic and expressive, with dance teachers like you at its heart.

At Mode Insurance, we understand the unique challenges and joys that come with teaching dance. Our tailored policies mean that every step, every routine and every class can be covered.

Insurance to suit you

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Up to £50k equipment cover

Insure the tools of your trade, as well as hired-in equipment.

Project-by-project Public Liability insurance

Get PLI for £84 a year or choose a shorter term to suit you.

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Be covered for contract disputes

Protect your reputation with Professional Indemnity insurance.

Public Liability Insurance for Dance Teachers

Although it's not a legal requirement, Public Liability insurance can be important for dance teachers, given the specific risks inherent in their profession. This insurance allows dance instructors to concentrate on their teaching, secure in the knowledge that they have protection in place should an accident occur.

For dance teachers, Public Liability insurance offers a safeguard against potential claims from students or others for injuries or property damage that could happen during classes, workshops or performances.

Many venues will also require you to have your own Public Liability Insurance in place as part of the hiring agreement.

The amount required often differs from one venue to another but a £5,000,000 limit is often widely accepted. It is best to speak to the venue directly or check your contract for the correct amount.

Short Term Public Liability Insurance

If you don't have Public Liability insurance but a certain venue you want to hire requires it, you can buy short-term Public Liability insurance for one day all the way up to 180 days.

Choose your cover and start your quote now:

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Public Liability insurance from £84 a year for £1m cover

Or choose your own cover limit of £2m, £3m or £5m.

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Up to £50k all-risk technical and portable equipment cover

Covered in the UK & EU as standard or increase cover to worldwide.

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Professional Indemnity - be covered for contract disputes

Protect your reputation with Professional Indemnity insurance with either a £100,000 or £250,000 limit.

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Up to £50k cover for equipment that doesn’t leave your property

Protect the contents of your business and other technical equipment that doesn’t leave your property.

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Employers’ Liability cover for up to 3 PAYE employees

Our Employers’ Liability cover provides £10,000,000 of cover.

Dance Teacher Insurance FAQs

Below we have listed the most common questions we get from our customers about insurance for dance teachers.

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Does insurance cover me for teaching classes at different venues?

Yes, insurance can provide coverage for teaching at multiple venues. Our Public Liability cover protects you whether you're based in a permanent dance studio or using rented spaces for classes. Additionally, if you bring your own equipment like speakers or a microphone to these venues, you might want to consider adding portable equipment insurance for extra security.

If you have equipment that never leaves your only business location then you can cover this under contents.

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Does the type of dance I teach impact what cover I need?

The specific type of dance you teach doesn't change the fundamental reason you might need insurance. Teaching any form of dance carries the risk of accidents or injuries. Public Liability insurance is designed to protect your business from potential compensation claims. If you have employees, Employers' Liability insurance is a legal requirement.

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Does insurance for dance teachers cover me for performances and/or shows?

If you're involved in performances or shows, it's wise to have a policy that includes Public Liability cover. Live events come with their own set of unpredictable elements, and you may be using additional equipment like sound systems, professional lighting or laptops - portable equipment insurance should also be considered.

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Why should I get a quote from Mode Insurance?

Our coverage is flexible and can be adjusted to suit periods of intense project work or times when you're between projects. Additionally, our policies are specifically designed for the creative industry and are suited to a wide range of professions.

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Can I adjust my insurance coverage as my professional needs change?

Absolutely! We understand that the life of a creative freelancer is ever-changing. That’s why our insurance plans are designed to be as flexible as your career. You can choose from short-term options for specific projects or opt for longer-term coverage. Adjustments can be made to suit your current professional situation, whether you're scaling up your operations or downsizing.

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Do I need Public Liability insurance?

Whether you need Public Liability insurance depends on the nature of your business. It's not a legal requirement, but it's particularly important if your business activities involve interaction with clients, customers or members of the public. This could be as simple as working from a coffee shop, all the way to working in a large stadium or event space.

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How much Public Liability insurance cover do I need?

The amount of coverage you need depends on your business type, size and the specific risks involved. Typically, businesses opt for cover ranging from £1 million to £5 million, but it's best to assess your individual business needs.

You may find a minimum coverage amount specified in a contract that you are looking to secure as many other businesses, venues or local authorities will stipulate the amount of Public Liability insurance you need.

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Is Public Liability insurance a legal requirement?

No, Public Liability insurance is not a legal requirement for most businesses in the UK. However, it is often recommended due to the financial protection it offers against claims from the public.

You may also find that Public Liability insurance is required by some clients, suppliers and partners before you work with them.

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What is the difference between Public Liability and Professional Indemnity insurance?

Public Liability insurance covers injury or damage to third parties and their property, while Professional Indemnity insurance protects against claims of professional negligence or poor advice.

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Can I get Public Liability insurance for one day?

Yes, one day Public Liability insurance is becoming increasingly popular and most businesses can obtain cover specifically for one day. This is ideal for short-term events like workshops, pop-up shops or a shoot you are organising.

This is great for budgeting and charging your clients as you know exactly how much the insurance has cost for the specific job.

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What creative freelancers need Equipment Insurance?

If your work requires the use of expensive specialist equipment, such as Photography Equipment, Film Equipment, laptops microphones and more, then Equipment Insurance can help provide peace of mind that you can repair or replace any of your important work tools if they are stolen, lost or accidentally damaged.

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How much Equipment Insurance cover do I need?

This will depend on the value of your equipment and how much it would cost to replace it all if it were stolen, lost or accidentally damaged.

We can provide up to £50k of Equipment Insurance to cover all of your vital work gear.

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What equipment is covered?

The policy can cover any equipment you need to keep your business up and running that you take away from the premises.

Some examples of equipment that can be covered are:

  • Communication tools, such as desktops, laptops, mobiles, and tablets
  • Essential work equipment, such as graphic tablets and hairdressing equipment
  • Photography equipment, such as including cameras, lighting, and staging equipment
  • All the 'little bits', such as lenses, lighting rigs, etc.
  • Cameras and ancillary equipment
  • PA, sound and lighting equipment
  • Portable electrical equipment
  • Mechanical effects equipment
  • Grip equipment
  • Props, sets and wardrobes
  • Makeup and prosthetics
  • Editing and recording equipment
  • Video and broadcast equipment

So, whatever creative work you do – your essential tools and kit can be covered and protected against accidental damage, loss or theft.

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Who needs Professional Indemnity insurance?

Creative professionals who provide advice, consultancy work or if they work under a contract with a client should consider Professional Indemnity insurance.

This includes, but is not limited to, graphic designers, photographers and marketing consultants.

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How much does Professional Indemnity insurance cost?

The cost of Professional Indemnity insurance varies based on factors like your profession, the level of risk and the amount of coverage needed.

We offer cover from just £112* per year – Start your quote now.

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How much Professional Indemnity insurance do I need?

The amount of cover required depends on your business size, the clients you work with, the types of contracts you work under and the potential risks involved in your services. It's a good idea to assess the maximum claim you could face and choose a limit that can comfortably cover this.

With Mode Insurance you can choose a Professional Indemnity insurance cover limit of either £100,000 or £250,000, depending on your needs and requirements.

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Do I need Employers’ Liability insurance?

If you employ anyone, even on a casual or part-time basis, the law typically requires you to have Employers' Liability insurance. This means that you have at least the minimum cover if an employed person makes a claim against you.

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What does Employers’ Liability insurance cover?

Employers’ liability insurance can provide cover for:

  • Compensation if an employee claims for injury or illness caused while working for you.
  • Fees for your legal representation at any coroner’s inquest of fatal accident inquiry and proceedings in any court of summary jurisdiction arising out of any alleged breach of statutory duty.
  • The claimants’ legal costs for which you are legally liable.