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For anyone that loves to dance, taking the time to explore the craft is an important part of building a strong foundation. Similarly, for dance studio owners, finding the right insurance policy to protect your business; your instructors; and your dancers; is all extremely important. Most often, dance studios are small and privately owned, which means that owners have much more at risk if they are operating without the right level of insurance coverage. Whether your studio focuses on the classics like tap and jazz or you’re riding the new wave with hip-hop and krump dancing, there are a number of different risks that can threaten the financial success of you and your business.
 

 

What is Dance Studio Insurance?

Dance insurance is a type of policy that is tailored to fit your specific business needs. It can be broad enough to cover dance, fitness and yoga studios or your instructors as they travel to teach classes. With this type of policy, you have several coverage options that will fit your budget and your business needs. While this type of coverage is generally seen as optional, it is also required by many lenders for those who need to take out a large business loan. If you rent out your studio space, your landlord may also require that you have a dance insurance policy. Although it may be seen as an additional coverage option by some, this type of protection is vital for ensuring that your dance studio is safe and profitable.
 

What Does Dance Studio Insurance Cover?

Whether you’re interested in an all-inclusive policy or you’d rather pick and choose the coverage options that fit your business needs, with an independent insurance agency like Marine Agency, it is easy to invest in total insurance protection. It is also important to keep in mind that not all insurance policies are created equal. So when you’re shopping for dance studio insurance, it is best to explore all of your options and read the fine print.
 

 

Bodily Injury Liability

This coverage option is designed to cover any injuries that occur with your students or those in the waiting area of the studio. If someone is injured while at the studio and either you or your employees are found to be liable, you may be financially responsible for their medical expenses. With liability coverage, you don’t have to pay out of pocket and risk losing your business profits.
 

Personal Property Liability

If one of your students or their parents suffers any property loss or damage while at the studio due to your negligence or the negligence of your instructors, this coverage option will cover their losses. This coverage protects against a number of different scenarios including theft, fire and other natural disasters.
 

Professional Liability

Although you may have searched far and wide for the best instructors to employ at your studio, if a student claims that they suffered a significant injury due to the negligence of their instructor, the studio could be sued for medical costs and other expenses. This additional coverage option is designed to protect your studio and your employees from the high costs associated with common liability lawsuits.
 

Find the Right Policy to Fit Your Needs

When shopping for an insurance policy that fits the needs of your dance studio and your budget, it’s best to work with an independent insurance agent at Marine Agency Insurance. With years of specialized experience, we can help you explore general liability and additional coverage options to ensure that you have a comprehensive policy to protect you and your assets. Visit Marine Agency Insurance online today for more information on investing in a dance studio insurance policy.

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422 US Hwy 22 W, Unit 7
Whitehouse Station NJ 08889

Local: 908-838-9762

Toll-Free: 84-INSURE-NJ (844-678-7365)

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Whitehouse Station NJ 08889

Local: 973-763-4711

Toll-Free: 800-35-MARINE (800-356-2746)