Studios, independent instructors and after-school programs work with kids, and the schools, districts and venues you teach at will ask for proof of insurance before you start. We insure dance studios, traveling instructors and youth activity providers, including the abuse and molestation coverage many policies leave out.
Start a dance studios & youth programs quote or call 888-391-5981.
Common risks
- A student is injured during class or a performance
- A parent alleges improper supervision or misconduct
- A school district requires additional insured status and limits you don’t have
- A visitor trips at the studio
- Damage to a rented school or venue space
Coverage most dance studios & youth programs need
| Coverage | Why it matters |
|---|---|
| General liability | Injuries to students and visitors, and damage to rented space. |
| Abuse & molestation | Defense and coverage for abuse allegations, which most general liability policies exclude. |
| Professional liability | Claims tied to instruction and supervision. |
| Business owner’s policy (BOP) | Studio property and liability together for studios with a location. |
| Workers compensation | Required once you have employees. |
California requirements & what to know
California school districts commonly require vendors who work with students to carry general liability and abuse and molestation coverage, often at $1 million to $2 million, and to name the district as additional insured. We review your district or venue agreement before binding so your certificate is accepted the first time.
Why business owners work with Pierce
- We’re an independent agency with access to standard carriers and specialty (surplus lines) markets, so we can place risks many agents turn down.
- A licensed agent handles your account from quote to renewal.
- Certificates of insurance, additional insureds and policy changes are handled fast. Request a COI.
- Local offices in San Dimas and Monrovia.
Related: Abuse & molestation · Residential care homes · Special events · Request a COI
Frequently asked questions
I teach at schools but don’t have a studio. Can I get insured?
Yes. Independent and traveling instructors can carry their own liability and abuse coverage and add each school or district to the certificate.
Does my general liability cover abuse claims?
Usually not. Most policies exclude abuse and molestation, so it’s added by endorsement or written as a separate policy.