Category Archive

What Happens When a Dance Studio Hosts a Fundraiser or Charity Performance The dance team wants new costumes. The studio wants goodwill. A charity performance seems like the perfect answer, and it often is. Families donate, community members show up, and the team raises money toward competition fees. What rarely enters the planning conversation is the insurance side of the … Read More

Why Renting Your Dance Studio to Outside Instructors Creates Coverage Gaps Empty morning and early afternoon studio hours look like free money. A yoga teacher wants the space twice a week. A ballroom coach needs a floor for private lessons. A Pilates instructor wants an evening slot. The math feels simple: rent out your studio during the gaps and collect … Read More

What Happens When a Dance Studio Expands to a Second Location Without Updating Coverage Opening a second location marks a milestone for any dance studio business. New students, new instructors, and a second building full of mirrors and barres. Amid the excitement, one detail quietly falls behind. The insurance policy on file still describes one address. That single outdated line … Read More

Why Injured Dance Studio Employees Fall Outside Most Studio Liability Policies A dance teacher demonstrates a jump, lands wrong, and tears a ligament. The studio owner calls the insurance company expecting help. The answer surprises owners every day. General liability insurance does not cover employee injuries. Not sometimes. Not with a deductible. Never. The policy was built to protect third … Read More

Why Every Dance Studio Needs Abuse and Molestation Coverage Before an Allegation No dance studio owner wants to imagine an allegation of abuse involving an instructor and a student. Yet allegations do not wait for owners to feel ready. They arrive through a parent’s phone call, a letter from an attorney, or a knock at the door from law enforcement. … Read More

Why Every Venue Keeps Asking Dance Studios for a Certificate of Insurance A studio owner calls a beautiful venue to book the spring recital. The date works, the stage fits, the price is right. Then the venue manager asks for one more thing: a certificate of insurance before anyone steps on stage. That single document, usually called a COI, decides … Read More

Why Mommy and Me Classes Create Liability Questions Most Dance Studios Never Consider Mommy and Me classes have become a staple of the modern dance studio. Moms, dads, and even grandparents join their little ones on the floor for a first taste of dance education, and studios love these programs because they fill morning schedules and build loyal families early. … Read More

What Your Studio Policy May Miss at a Rented Recital Venue Recital season is the highlight of the year for any dance studio, but the moment you move the show to a rented theater, your risk picture changes in ways many owners never consider. Most studio owners assume their insurance simply follows them out the door. Often, it doesn’t. A … Read More

The Certificate of Insurance Every Dance Studio Needs Before Recital Day Recital day is the payoff for an entire season of teaching, choreography, and hard work. The costumes are pressed, the dancers know their routines, and the theater is booked. Then, a week before the curtain opens, the venue manager sends an email: “Please forward your certificate of insurance.” Suddenly, … Read More

Why Dance and Fitness Studios Are Becoming Prime Targets for Cyber Attacks and Data Breaches When most dance and fitness studio owners think about risk, they picture a fall on the floor or an injury during class. Few imagine a hacker on the other side of the world. Yet studios collect and store exactly the kind of sensitive information that … Read More