I am 17, and want to run a dance class, is there anyway I can get public liability insurance ?

Question

I have ran various workshops before but they have all been with the theatre school i help out at. Now I want to start a weekly dance class, and I know I need insurance, but they will only sell insurance to people over 21. Does any know a way i could get insurance to run my dance class please??

Thank you

Answer 1

UK

Best thing to do is call a broker and ask for a quotation.  They will rate you as a dance teacher or fitness instructor or similar.  Probably about £100 per annum.  As you are only 17 may not be able to  get  monthly payments and the only issue in UK is entering a contract as a minor but as you can have insurance at 17 on your car should be no issue.  Likely to be more of an issue lack of experience.  

I would call a broker and they should be able to sort for you.  My friend uses a broker called Higos for her insurance.

Hope this helps

Answer 2

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Answer 3

You certainly can, as previously stated a good broker will be able to help you get the cover you need.

However I’d also suggest you contact the International Dance Teachers Association as they have a deal with insurance Company ‘Shepherds’ and quite often this kind of specially arranged cover can be better and cheaper as it is ‘needs specific’ than a ‘general’ policy that covers all sorts of things. I’ve attached the link to the IDTA insurance page.

I’m not recommending the company or product itself as I’ve never used them, and I’d still suggest talking to a broker to see if there are better deals around, but I’d say it’s good place to start.

As you obviously realise your age may make cover more expensive, but there are things you can do to offset this.

If you don’t already have any, recognised qualifications in things like first aid may help. I also recall my sister (ex dance teacher) taking a City & Guilds exam in exercise & fitness so that she could be covered by the local authority’s insurance when teaching aerobics. Not quite the same I appreciate, but you get my drift.

I highly recommend you talk to the insurance company and/or broker to see if there are qualifications that would reduce the cost, obviously there would be other bonuses from having these qualifications too.

Best wishes

Answer 4

Sure- it just requires money.

If age is a problem- involve a parent or someone else over 21.

Answer 5

Yes, you are right, you will need public liability insurance. There are a number of brokers that offer insurance from people aged between 16 – 70, unfortunately it is just a case of ringing around. I can however recommend Endsleigh, who have a good affiliation with Students and Insurance for younger people.

You might also want try the organisation called the Princes Trust, that can provide you with free, impartial advice when setting up your new company/business…Good Luck!

Answer 6

Speak to an insurance broker, who has access to markets far greater and more varied than an agent. Due to your age and lack for qualifications/certifications this policy will not be cheap. This may not be worth your while if you are doing classes on a part time basis.

The one thing you have to ensure is that you parents are named on the policy as well, either as a named insured or an additional insure. Being a minor your parents are liable for your actions, so make sure they are protected as well.

Answer 7

yes they would sell you insurance go to GLO my friend and good luck on your dance class!