Category Archives: Starting a Pole Studio

Starting a Pole Studio – Chapter 2

You should at this point have gone through the first dozen items on the checklist. You have especially your license, insurance and now location. Now it is time to start putting together your studio to accept students.

Designing Your Studio

Planning the arrangement of your studio should have the dual goals of being functional as well as attractive. It begins with the entryway. It should be inviting and “speak” as a pole studio. Could be as simple as some pictures on the wall. The room or area for poling needs to have spacing for all pole moves & spins that may be performed. The minimum recommended spacing is 6 feet pole to pole. If you may be adding more poles in the future, you may want to plan the spacing to keep space available for additional poles. Some studios reserve space for general fitness classes or chair dancing as well.

Mirrors are very helpful for pole dancing and general fitness. You can get large mirrors or mirror tiles to completely cover the walls. When starting your studio, to keep expenses low several hanging wall mirrors which can be simply on the ground work quite well. A couple of pole dancing posters will make it look like a pole dancing studio. Even some very busy & established studios have no more. You should have at least a couple of chairs as pole dancing can be too fatiguing for some people either because they are out of shape, in poor health or just overdoing it. They can be even inexpensive folding chairs and do not have to be in the same room as the poles.

You will also need a bathroom and changing area. They can be the same room. Some studios have converted a closet for changing. Still another simply added a curtain and chair at the end of a hallway. Whether shared or separate the bathroom & changing area must be cleaned at least once daily. The bathroom should be kept stocked with paper hand towels, toilet paper and soap. It should also have a toilet brush and a plunger for emergencies is recommended.

Classes & Class Schedule

Nearly all studios will find that the mornings of Monday through Saturday and evenings of Monday through Thursday are the most desirable for classes. The other times work well for private pole lessons or pole parties if you should also include them. Some studios found an evening only with Saturday morning schedule works well in the beginning. Evening class times should be no earlier than 5:00pm and end by 9:00pm.

Classes will need to be a combination of levels:
•Beginner •Intermediate •Advanced
As well as varying focus:
•Pole Dance •Fitness •Routines •Open Practice •Introduction •Floorwork

Initially most if not all of your classes should be Beginner or Intermediate levels. Even if some people state they are advanced pole dancers, you will need to perform some type of assessment to see what level they are. It also can be dangerous teaching some people moves at a level way beyond their capability. If you are one of the first pole studios in your area, you may find a shortage initially of experience pole dancers.

While you may consider pole dance the main focus, you will have to incorporate the others. Pole Fitness is not just for those looking to get fit. Some people who are new to pole would rather take a pole “fitness” class. Not everyone is about it being sexy. It is more socially acceptable and easier to tell family or friends they are taking a fitness class. Unfortunately the industry & society has a way to go before all of pole dance will be fully acceptable and without stereotypes. This is the reality we are in. Pole Fitness classes can be broken down to strength building and another for a cardiovascular workout. Making these classes fun is what often draws students to a pole studio for fitness rather than the local gym.
There will be dancers who have been learning pole moves & spins at home or elsewhere but now want to be able to put it all together into a routine or performance. A Routines class serves this and general combinations well although when starting this may be hard to fill. As your students progress, they can help fill this class.
Open practice is just that. For students who have taken other classes, this gives them time to practice be it mastering a new move from class, a specific technique or just some time on the pole. Many of these people do not have a pole at home. The instructor is present more for general assistance and should reserve new material for the classes. Many studios choose to include a five minute warmup to protect students from injuries with cold muscles.
Floorwork is often an area of disagreement within the pole world. Some believe it is a part of most pole dance classes. Others take it as an art form unto itself. It can also help serve as the first step into the world of pole dancing. There also are many experienced pole dancers who seek out floorwork instruction as they have spent so much time on moves & spins they are lacking in floorwork skills they need for performance.
Introduction classes are often the introduction of new students. Many studios even established, use them as a draw with monthly classes offered at a great discount or even free (one time). The idea for people that absolutely no experience, knowledge or physical ability is required to attend helps make up their mind to give it a try. Introduction classes can be used as a prerequisite for attending other classes so you can properly assess their ability. Many studios have this class for a shorter period of from 30-45 minutes.
There is one area of focus that falls under pole dancing but is mentioned separately as some studios do. The Burlesque, Naughty, Exotic or Stripper class. Whatever you call the class, it is a throwback to when pole dancing was mainly knowing for strippers and being sexy. Complete nudity is not advised and may be illegal in some areas. The trick for teaching any clothes removal without being naked is layers of clothes. Some of these sexy classes do not include advanced pole moves or inverting. Some may not include pole work except at a minimal level. Still others incorporate the stripper side as part of a routine. While not everyone’s cup of tea, there are some that see this as the next evolution in their poling ability.

Additional classes can of course include chair dancing, Lap dance, belly dance, Zumba, hoop and cardio dance. There are too many types of classes to list here. Some work well is some areas and not at all in others. Often there is a trial and error to seeing what classes will bring in students.

Go To: CHAPTER 3

Starting a Pole Studio – Chapter 1

In the Beginning…

Location, Location, Location!

In business there is the famous saying “Location, Location, Location! If you open a pole studio it needs to be accessible as well as have a local market large enough to supply students for your classes. Main street might be good and twenty miles from city central may not. Opening a studio of any type in Mulvane, Kansas may not be a great choice as it has a population of about 6,000. Unless its the pole dancing capital of the world, there will probably not be enough potential students. Even if you open in a large city you need to ask several questions. : How many potential students in the area? Driving distance? availability of public transportation? How many competitors? Demographics of the area? Type of other businesses in the area? Will your customers feel safe (physically, morally, etc.) in the area?

From general location there is the facility. There may be choices in the same area. Rent is usually the largest expense for a business. You will have to consider that often first. Normally rent is priced per square foot. For a pole studio you need to look at how much of the square footage is usable. To start you do not need many extra rooms or an extravagant entrance-way. A room or area for the poles, bathroom and a changing area. While some pole studios supply lockers, it is an expense that we do not recommend when starting. Showers are also a luxury and not only add expense but time in maintaining. Extra space that is not needed is simply wasted money. Keep it simple and expenses low.

When looking at a facility consider these conditions:

Support for Pole Setup/Installation
Dance Floor
Lighting or availability of adding
Furnishing to look attractive
Internet availability (if needed)
Outside Signage
Outside lighting
Parking
A/C/Heat and thermostat control
Acoustic Insulation

You will need to inquire at the start what changes you will be allowed to be made. Some lease agreements do not allow any modifications or must be subject to approval. Others allow modifications but they must be put back to original condition. Still, some leases will specify any changes are considered improvements and must remain when you vacate. You may need to decide on the type or brand of poles you can use based on the lease. Commercial leases can be much more restrictive than residential leases. Outdoor signage may be dictated by the lease or may be superseded by local zoning. You can ask but you may need to phone the department that handles zoning. While you are on the phone you will also want to ask that your business is an “acceptable use” for the building’s zoning. You could lock yourself into a lease only to find you can not have pole parties or even a pole studio. Unfortunately there is still in some areas a stigma with pole dancing regarding community standards. We have found a few locations where pole dancing even if a school is considered an adult business and subject to the same restrictions. The thermostat control is important as some have a single thermostat covering several storefronts. How would your students feel if the person controlling that thermostat keeps it at 80 degrees year-round? Some commercial buildings also have limits on the AC & heat especially if utilities are included. Acoustic insulation is often missed. Most pole studios and of course pole parties wish to play music at a fairly high level. That might be an issue if the sound bleeds to adjacent facilities. It also works in the reverse, so make sure you do not hear from the other storefronts or offices. Before signing a lease, play a radio loud and have someone in an adjacent facility and also outside to make sure you will have privacy.

Leases are usually open to some negotiation. The longer the facility has been empty, the more negotiable it will be. A longer lease should fetch a lower rent. Shorter lease might be a higher rate but remember if you close the business you will be responsible for the entire length of the lease. If there is a lot of fixing up to do, you might ask for an allowance for that cost. Never hurts to ask! Even the restrictions on modifications like for your poles can usually be negotiated. Your lease will nearly always state the use of the facility. Referring back to the list at the top, you may want to get all of them listed. You may not want pole parties at the start but for some pole studios, parties earn more per hour than anything else. Why restrict your future business? In response, the lease may specify no alcohol or limited hours. You do not want the alcohol and you will have to determine yourself if the hours of operation are acceptable. If you are not real familiar with commercial leases, it might be worth it to have an attorney or paralegal read it before signing.

At this point you may discover that the rent is not within your businesses budget. It is much more advantageous to have your own facility. That gives you an open schedule and more flexibility in studio design, configuration, type of classes and too many other things to list. But if it is not in the budget then you need to look at options.

You can work with another facility and still retain a separate business. Working with a fitness center, gym, cardio studio, dance studio is all possible. You will again need to consider most of the same factors as your own facility. Even restrictions on modifications, local zoning, etc. If the room you will be using for poling will also be used for other purposes, remember changes to accommodate poles may impact the other activities. You will want to get an agreement in writing. Investing the startup costs and finding someone changed their mind or disagreed could be devastating. You will also have to consider responsibility for your equipment that is left in someone else’s facility. If the facility is part of a franchise you may need to read their franchise agreement or contact the franchise directly.

You can work with another facility as directly renting space per day or per hour. Subcontracting from them to operate pole fitness classes, being paid per student or per class as an instructor. There is an advantage in that you can leverage their existing members or students.

Its all in the Name!

Your name is not the most important thing in business except to the owner. There are some considerations to be made.

Branding. Choose a unique name not just to the pole world. Branding is your identity. Especially in the beginning you want to be easy to find. Since so much is found through the Internet a unique name will help you be found. It will also be with you for many years.
Easy to remember. If people have to refer to your business as the studio on main street, you are just making things difficult.
Easy to spell.

Go To: CHAPTER 2

Starting a Pole Studio – Preface

PREFACE:

For many pole dancers, they look to teaching others as the next level in their own evolution. This can be from an instructor at a fitness center or owning their own pole businesses which can be one of several types:

Pole Dance Studio
Pole Fitness Gym
Subcontract at Fitness Center
On-line Instructor
Pole Parties

In some cases your business may be a combination of one or more of these. You may have a pole studio that also does pole parties. What type of business you have will be dicated by many factors:

Your Local Market
Facility
Lease Agreement
Budget
Insurance Coverage
Licensing
Many More!

Again it must be stressed how important a business plan is and general planning & research before you even file for a business license. That discovery process may not define your type of pole business but may define how to approach the type of business.

While you create your business plan, you will undoubtly focus towards the first stage of your business. Still it is equally important to plan for later stages. You may think it as simple as needing X number of students for $X per class. This may bring you a reasonable income. If an income is all you seek you might be better off with a job working for someone else. A paycheck employee does not normally deal with the inevitable ups & downs of business. In business reality, students will come & go. Expenses will increase directly affecting your income. To build a business that will prosper for the long-term you need constant growth.

One common mistake for pole studios seems to be the belief that only financial resources are needed to open a studio. Another example where a business plan would help. Money does not solve all issues. From a proper facility, poles, accountant, even people and a computer all are also among the building blocks of a pole business. People are the most important resource than money. You will need someone for something almost every step of the way. Often it will be for a second opinion, helping hand. or the right professional, Attorney, accountant, carpenter, etc.

Starting any business takes a commitment of time. Many Pole studios start on a part-time business with a full-time job. If you do not have the financial resources to support yourself until the business is truly profitable, you should keep your current job. Often there are ways to work around your work schedule. You might even consider hiring an instructor for the hours you work your job. Do realize that the pole business will take a significant investment in time. To work a full or even part-time job and operate a successful pole studio will mean little room for a personal life or catching your favorite TV shows.

Business is always a learning experience. Business success at any point does not guarantee future success. At one time Woolworth (in the USA) was the largest retailer. Oldsmobile was the largest car company. Admiral with televisions. Business is not easy. It also must be states that ther are no experts in business. You are not today driving to Woolworth’s in your brand new Oldsmobile to buy a new Admiral TV because there are no experts in business. You will make mistakes in your pole business. Will you learn and grow from those mistakes? That is what separates the winners from the losers. We provide you here the concepts, guidelines, positive & negative experiences of a pole business. You still need to research and apply to your marketplace and business plan. Even what worked for a successful pole studio in Los Angeles, can not be totally duplicated in Huntsville, Alabama. There are several pole studio franchises and even they cannot guarantee a successful pole business. You need to build a plan around your own pole business.

As this “book” moves into its chapters, we will focus on building the Pole Studio business. We have other articles on this website that relate to small business. Please read those as well. You will still need a business license, bank account, a way of accepting payments and other items tangible and not, before you can open the doors to your new pole Studio.

Go To: CHAPTER 1

Pole Studio Checklist

Below is a list for Starting a Pole Dance Studio. Some items are essential for any pole studio. Some are recommendations. While still others can be added later as needed or within the budget. It is not only physical items but items to help in planning what steps and expenses you will encounter. It is not simply a space and some poles.

Fictitious Name: If you will be using anything other than only your real personal name, you will need to file for a “Fictitious Name. ” It is also called a “Doing Business As” (DBA) name. When you first form a business, the legal name of that business is the name of the person or entity that owns the business, unless you choose to rename it and register it as a DBA name. There are a couple of US states and countries that do not require this. If you are a corporation forming a business the corporation name will be the business name unless you file for a fictitious name. A search will be made to assure there are no other businesses already using the name. In the US this search is by state. For Federal name protection you would need to file for a Trademark.
Business License: You will need a business license. Some phone calls and/or and Internet search will need to be done by you. Business license vary greatly by country, state, county and city. Each of those government offices may require separate licenses. In most locations you may just need a local (City or County) business license. There is a small annual fee. If you will be using a fictitious name, make sure to have completed the above step. Banks cannot open a bank account for a fictitious name without a business license using that name.
Federal Tax Identification Number: If you will be running your business as anything but a sole proprietorship you will need a Federal Tax Identification Number also called an Employer Identification Number (EIN). This takes the place of a social security number (SSN) when filing anything tax related in the USA. You can file for it on the IRS.gov website.
Incorporation: While you could operate as a sole proprietorship, you may elect to form a corporation. Formal incorporation as opposed to a sole proprietorship or partnership is a consideration for pole studios although for some, this can be done in the future. There is a cost involved which varies by the state of incorporation. While there are benefits to a corporation there are also drawbacks. Corporations do provide protection for your personal assets when the business is sued but be aware that does not necessarily keep you from personally being sued as well which then would include your assets. (See Separate Incorporation Article)
Health Permit: In some localities a fitness center can be subject to health inspections. When filing for a business license they should inform you if one is required. Often a health permit is only needed when some form of drinks, food or childcare is provided.
Lease (Facility): You will need a location for your studio even if in your home. NOTE: That many localities may not allow operating a business such as a pole studio in the home. If leasing the facility be it a store in a shopping plaza; stand-alone building; industrial park or sub-letting inside another facility a lease will be required. Your lease will most likely be your largest expenses for your business. If you do not have experience with dealing & negotiating with commercial leases, it is highly recommended to use a Commercial Real Estate broker and/or an attorney that specializes in real estate. You will locked into a lease for an extended period of from one to many years. That means expenses which can offer surprises and the rules of your business location that cannot be changed later on. (See Article on Leases & Facilities)
Insurance: You will need insurance. It is for the protection of your business and yourself. (See Article on Insurance)
Payment System: This will be covered in detail in another article. You will need some system of accepting payments for Cash, Checks and Credit Cards. Whether an online processor (Paypal, Square, Google Checkout), mobile credit card processing or merchant account through your bank. Rates will vary from less than half a percent to as much as 15% of the transaction as well as other fees. That is money out of your profits and pocket. NOTE: Online processors tend to have a higher number of consumer chargebacks. A lot of those is due to people not realizing what the charge is for as their credit card statement will show the processor and not your business name.
Accounting System: Even if you retain an accountant you will need to keep track of Income and expenses. There are books for old style entry or software applications like Quicken. You need to know what is coming in and going out. (See Article on Balance Sheet)
Outside Signage: You need customers and more importantly potential customers to find your business. Signage is also a form of advertising. Most small businesses find that a percentage of their new customers discovered them through outside signage. It may be a complex lighted neon sign, a painted wood sign or a vinyl banner tied up by rope. It should state the business name and possibly a slogan, logo and/or description. A slogan or description is no passerby’s know what kind of service you are offering. There are still people who have some familiarity with pole dancing but do not know what a pole studio is. You may want to consider a phone number or website address as well.
Poles: It would be a little bit difficult to open a pole studio without at least one pole 🙄 How many poles will reflect your research on potential customer base. Many small studios have started with 3-4 poles and several have started with two poles. The important consideration is if space allows, you can always add more poles later as business increases. Not only do more poles equate to higher expense but also more time to maintaining. It is recommended to start with the smallest number possible. Until you actually have the customers in the studio, you will learn what pole finishes, and diameter they prefer. You may also order a model from one company only to find it does not work well for you. One studio we spoke with said they needed poles that could come down each day. They found the semi-permanent poles that could “come down in minutes” equated to almost two hours setup and two hours takedown for all eight poles. Start small and build up. (See Article on Poles)
Dance Floor: The existing floor may be sufficient for business startup. If not you will need to one installed. You will need to check with your lease if their are limitations on such a change and also whether improvements such as this remain when you vacate the premises. If you allow shoes with a stiletto heel. you will need a higher quality flooring. Remember there will be excessive use in specific areas of the floor. Most residential type flooring will not stand up for long under that use.
Mirrors: Nearly all pole studios have some kind of mirroring even in a shared facility. While many want large mirrors across the walls, at business startup some large wall or door mirrors can work quite well. Like many things, you can always add later.
Wall Decorations: An environment that is attractive and conducive to pole dancing or fitness should be provided. Simple posters of pole dancers possibly with an inexpensive frame are seen even at many established pole dance studios. A little creativity goes a long way.
Lighting: Adequate lighting provides two benefits. First is visibility to see instructor demonstrations of moves. Students can then clearly see body contact points with the pole. The instructor can also watch the students clearly for their actions. Shadows caused by lighting in one direction makes this difficult. The second benefit is in photography. At some point nearly all pole studios do some video or still photography in the studio. Having at least basic good lighting will make a world of difference. Most poor quality video and pictures is due more to bad lighting than the cameras. Some studios may have pole parties and colored lights help create the right ambiance. These do not have to be expensive. There are companies like Chauvet and American DJ that provide good and reliable lighting at reasonable prices. Be sure to purchase spare bulbs/LED’s. We recommend LED’s and not bulbs for lighting whenever possible for safety reasons. (See Article on Photography)
Crash Mats: There are many type of crash mats and there is always at some point where they may be needed. Some pole students it helps for moral support early on. Maybe you remember your first time inverting? Most small studios have a single crash mat that is shared when needed. Your experience & reviews elsewhere should help with the brand, thickness & width of the crash mat. Some studios have two mats with different thicknesses as 5″ and thicker mats are difficult to walk on.
Alarm & Monitoring: Depending on the location of your studio facility you may want an alarm system to protect not only the contents but your business. If the studio is damaged or equipment is stolen you will not be able to have classes or parties. An alarm system will often reduce your insurance.
Pole Certification: While there is no legal requirement in most areas it does help to give credibility to instructors and studios to be certified pole instructors. There are literally over a hundred pole instructor certifications! Some seem to only focus on knowing how to perform certain pole dance moves with virtually nothing covering the actual teaching. The best instructor certification actually teaches you to teach others besides any test. (See Article on Pole Certifications)
Music Licensing: If you will be playing licensed music you must pay a public performance fee to the music performing rights organizations. The pole studio owner is responsible for the fees regardless of who or how the music was brought into the studio. The fines can be substantial for violation. (See Article on Music Licensing)
Advertising: Once you open your Pole Studio, you need students and customers! Advertising is how you reach those potential customers. Advertising can be everything from word-of-mouth to television commercials. The first start is with business cards. Even with today’s technology they are still inexpensive and yet can reach many people. A box of 500 cards can be not only handed out to a single person but placed on bulletin boards where many people will see it reaching thousands of people. Without advertising and marketing of your business, you will have no business. Please read the separate article on advertising as well. (See Article on Advertising)
Website: While not every pole studio needs a website, they should have some sort of Internet presence. A website though is an incredible marketing tool and should be considered. The cost can be kept fairly low but achieve a high return on that investment. (See Article on Internet Marketing)
Computer & Printer: A computer will be needed for sales transactions, printing receipts and online communication. If you have a laptop you already own, you could bring it to your studio instead of a separate purchase. You will need a printer as they tend not to travel well.
Checking Account & Checks: There is more to this than it sounds. You will want a commercial bank. As your business grows you will need more services that only a commercial bank can provide. Should you at some point want financing (a loan), having a relationship with the bank helps a hundred fold. Take your time and find one that provides all the services you need and at reasonable fees. Commercial accounts are different than personal accounts. Some banks have added fees that could cost you even for deposits, every check/transaction and monthly just for having the account. A local commercial bank may provide more service than the large internationals. Compare.
Cleaning Supplies: You will want to maintain your studio clean, safe and attractive. Window, spray, floor cleaners. Sponges, a broom, dustpan, garbage cans & mop. Some microfiber cloths & alcohol to clean the poles. People need to feel comfortable & safe in your studio. Cleanliness is what go by.
Consumables: Soap, Hand Sanitizers, Paper towels, Toilet paper. Its the simple things but you will have to have them. Try the large bottles of hand santizer found at the box stores. One for in front and the other next to the poles. It is good if students see you using it regularly whether you need it or not. In the germophobic society we are in, people tend to be even more comfortable when the owner is careful.
Refrigerator: Not a must have especially when starting but even many small studios will have a small refrigerator to hold water bottles. Whether you supply for students or just yourself, it is good to keep hydrated during & after poling. Also handy if bring lunch from home.
Spare Clothes: You will not know how important this is until you need them.
First Aid Kit: This is a must have. It can be an inexpensive one that contains the basics. One addition you should make is an eye wash kit. They are minimal cost though important for quick relief from many eye issues even often sweat.
AED/Defibrillator: This may be required by local zoning or your insurance policy. It would then also require someone onsite that is certified to use one. They can be an expensive item of over a thousand dollars. If its a required item you may also then need AED signage and cabinet. Most fitness certifications require CPR & AED certification.
Fire Extinguisher: Smokey the Bear says “Only you can prevent business fires!” or something like that.
Radio or Music Player: If you are playing music (no matter the source) you will need some way to play it. It can be a boombox, mobile device with bluetooth speakers, a small PA or some device plugged into a guitar amp. As long as it provides the loudness you want at an acceptable quality.
Camera: At some point you will need or want to take video or still pictures of yourself and/or students. This can be more complicated than people realize. While most still cameras take video, it is not what they are designed for. Same goes for video cameras. Actual type of use can dictate what type of camera and how much to spend. When first starting your phones camera or even a webcam may suffice. Would consider this a purchase after you have established business a bit. Proper lighting can make even a smartphone’s camera look decent. (See Article on Photography)
Exercise Bands: Even just from the local sports store can suffice initially. Exercise Bands are used in pole dance studios for more than exercise. They can be a good tool in evaluating new students for their strength level. Some students will want to perform moves that are beyond their physical capability. It is your responsibility to see they do not injure themselves. An exercise band can help determine if you should be teaching that move.
Toolbox: At some point you may need one of these tools for minor repairs. Most you can pick up at the dollar stores.

Level
Straight-edge
Screwdrivers
Pliers
Hammer
Scissors
Duct Tape
Flashlights
Tape Measure
Calculator

Have any suggestions to this list? CONTACT US!

Pole Studio Insurance

If you are going to have a business you will need insurance. Pole Studios and the like have a greater need for insurance. You need insurance as your lease probably requires it. You will want it to protect you if someone is injured or there is physical damage to your premises. Even as an independent Pole Dance Instructor you need insurance.

Business insurance Insurance cost will be determined by several factors including the physical size of the facility, your annual revenue, type of equipment and services offered. If you also do training or pole parties off-site that will have to be included or done a as rider to the policy. As important it is to know what is covered by your insurance policy, it can be more important to know what is not covered. You may find you will need to have three separate policies. One insuring the premises and another for liability and yet another as an instructor.

There are many insurance companies. Not all of which can offer insurance to pole studios or fitness centers. Each insurance company also writes their policies differently so you will need to do your own due diligence to be sure you are getting the coverage your business requires. Most major and some minor insurance companies offer insurance for fitness studios and gyms. That is not normally coverage for many activities and equipment of a pole studio! You do not need a company that specializes in pole dancing but make sure the coverage is there even if it is a major company. Some companies such as Nationwide Insurance classify pole dance the same as a Gymnastics Studio. The difference we are told is because of aerial movements as opposed to movements only on the ground.

When you look at coverage realize this. If someone has a permanent injury during a pole class and successfully sues for $250,000 and your insurance policy includes coverage for that specific type of injury for $50,000, guess who comes up with the extra $200,000? The point is a cheap policy with lower coverage is just a cheap policy. It may not protect you when its needed. Would you buy a new Lexus for $50,000 and only get insurance for damage of $2000? Of course not. You need to protect your business, your employees, your students and even yourself. Many think making your business a corporation completely protects from all lawsuits and legal responsibilities. That is untrue. If you are found to be responsible directly or indirectly than you can also be held financially responsible. A bargain insurance policy is not a bargain.

If you are leasing or sharing space from a fitness center, gym or another facility, that usually does not exclude you from carrying your own insurance. You will need to check with their insurance agent or read their actual policy to see what if any coverage is carried-over to you.. At the least you will want to carry general liability coverage for yourself regardless. This also carries to teaching pole at your home or a student’s home.

Liability Coverage

General Liability: bodily injury & property damage your studio may responsible for. That can include equipment, products, operations or even while walking in your facility. If someone trips while walking through your doorway, general liability will cover this.
Professional liability: This deals with any injuries or damage caused by yourself in the role of pole instructor or employees of yours. For instance, if while teaching a pole move a student gets injured or contracts some medical condition. You may need either additional coverage or a rider for any pole instructors or fitness trainers as 1099 sub-contractors. You may wish to elect to only hire contractors that have their insurance policy. Be sure then to actually see their Certificate of insurance in writing.
Personal and advertising injury coverage, which covers copyright infringement, libel and slander

Property Coverage

This covers damage to your studio facility itself. The damage could be caused by fire, theft or vandalism.
Weather conditions vary by geographic area. Flooding may require a separate policy. Weather including wind may be additional coverage or a no cost inclusion
Since 9/11 insurance companies will offer you Terrorism Insurance. Like other forms of insurance the cost is based on risk. A low risk location may be less than fifty dollars. A high risk in a major city could be several times that. You can purchase it or choose to opt-out.
If you perform pole parties or teach at someone’s home you will need specific coverage. Setting up a pole and damaging you can be held responsible, waiver or no waiver.

Additional Coverage

There are several areas of additional insurance coverage that a pole studio may want to consider.

Participant liability and accidental medical: If you have or sponsor pole competitions, this covers the participants. You will need to question your insurance agent whether this is needed or included. Normally this coverage protects yourself, your staff and participants while traveling to/from the competition as well as the event itself. This may apply for pole parties as well.
Spectator Coverage: Again, if you hold or sponsor pole competitions. This provides liability only coverage for spectators during the event for injuries or property damage.
Supplemental insurance: This is for liability coverage that is outside the scope of the main policy. If you provide services such as tanning, massages, skin care, saunas or anything else beyond the normal policy coverage you will need this. As insurance costs ever increase, you can see why some of the additional services are no longer offered at not only pole studios but fitness centers & gyms.
Workers Compensation may be needed like any business owner.

BOP

BOP stands for Business Owners Policy. It is an insurance package for a small business that provides a type of umbrella policy often at reduced cost. If you have a small business this may be an option for you. Still, there will be specific coverage needed for every pole studio to make BOP work for you. Also as mentioned above, you need to inquire specifics as to what is not included. Two pole studios we spoke with had BOP policies and after we spoke they found they needed to change to the policies as outlined above. Poles and pole dancing was outside of the BOP coverage for them. The cost to add all required coverage to the BOP policies would have made their policies more expensive. While licensed insurance agents are supposed to assist you with getting the coverage you need, most have little knowledge about pole dancing and pole fitness. You may have to provide some education to help them, help you. Having the wrong coverage can leave you and your company exposed.

Pole Instructor Coverage

Whether am independent instructor or teaching at your own studio owner you should have instructor insurance. It should be included in an overall studio policy but it may not. There are some that have fitness trainer insurance (obtained either independently or through organizations like AFAA, ACE, etc.) but these do not cover pole dancing. The reason given is often that of being more than six months off the ground and inverted.

There are many insurance companies that can provide pole dance instructor insurance. You do not need one directly involved in the pole industry. There are some agents selling pole instructor insurance with limited coverage well below what is needed in the real world. These typically carry lower premiums but should you have a claim may still find yourself seriously debt. Always compare coverage on all policies. You also like all insurance policies confirm how long they have been in service.
You will find some conditions placed on instructor policies such as:

Adequate Matting/Padding being utilized
No Alcohol use allowed
Instructor always present to spot for students
Maximum height to be allowed

Some pole instructor policies contain clauses not allowing inverts or high heel shoes even though they are sold specific to the pole industry. In addition to poling, there normally will be additional riders required for things like hoops, silks, other aerial moves or fitness instruction including yoga, zumba, etc. As most pole dance certifications are not fully recognized by government or international sanctioning bodies, they also rarely have any requirement for instructor insurance. A small few ask for a fitness certification like ACE, AFAA, NASM, etc. Many do now require CPR and possibly AED certification.

Your Risk

Small Biz insurance You need to be proactive to decrease your exposure to liability. Many think a signed waiver is all you need. That is totally false. If someone is injured in your studio there is nothing including a signed waiver to keep a lawsuit from happening. A waiver is simply that you notified that some risk exists. Many successful lawsuits were against facilities with signed waivers.

You also should be sure to have a valid certification in the area you or employees are working in. Whether yourself or someone else you should always have someone on premises with CPR and AED ( defibrillator) certification. That means you may need to invest in AED equipment and keep it maintained.

Any all equipment needs to be inspected regularly. Many pole studios we have found have not performed any type of real inspection to their poles since they were installed. Equipment failure especially from lack of maintenance is a classic lawsuit. It takes only one issue, one time to force you out of business. Check for slippery floors, proper lighting and every other potential accident. Accidents do happen but if you perform proper checks, inspections & maintenance then not only do you reduce the chances of accidents but have a defense when accidents happen.