Zumba Instructor Insurance: Liability & Quotes From $11/month

Zumba is one of the safest fitness activities held in yoga studios and dance studios. The incident rate is 3.9-5.7 per 1,000 hours of zumba classes.

However, as with any physical exercise such as CrossFit or pilates, risks are present.  It’s easy for students to get lost in the rhythm. And as a result, they can sustain injuries while performing routines.

You can easily find yourself in a legal quagmire that affects your career and reputation. That’s why getting Zumba instructor insurance is a must. Read this guide to know:

  • Know the cost of zumba instructor insurance

  • Understand how each type of insurance for zumba instructors work

  • Get information about the companies that provide the best coverage

Liability Insurance for Zumba Instructors 

While dispensing your Zumba training, there are chances that there’ll be third-party claims brought against your business. With liability insurance for Zumba instructors, you get coverage for the expenses that might arise following claims of personal injury or property damage. 


General Liability Insurance For Zumba Instructors 

CoverWallet NEXT (Best) Thimble Hiscox K&K Insurance Canopy
Per occurrence limit  $1,000,000 $2,000,000 $1,000,000/$2,000,000 $2,000,000 $1,000,000/$5,000,000 $2,000,000
Aggregate limit  $2,000,000 $4,000,000 $1,000,000/$2,000,000 $2,000,000 $1,000,000/$5,000,000 $3,000,00
Products and completed operations aggregate limit  $2,000,000 $1,000,000 $2,000,000 $1,000,000 $1,000,000/$5,000,000 $3,000,000
Advertising injury coverage aggregate limit  $1,000,000 $1,000,000 $2,000,000 $1,000,000 $1,000,000/$5,000,000 $3,000,000
Tenant’s legal liability coverage limit  $300,000 $100,000 $100,000 $300,000 $1,000,000 $300,000
Waiver of subrogation included? Yes Included Included Can be included Excluded Excluded
Hired/non-owned auto liability coverage included? Yes No Excluded Can be included Excluded Excluded
Equipment breakdown floater included? No  Yes Yes Can be included Excluded Excluded
Can you get a certificate of insurance online? Yes Yes Yes Yes Yes Yes
Name additional insureds? Yes Yes Yes Yes Yes Yes
Deductible $0 $0 $0 $0 $0 $0

Consider purchasing general liability insurance. In connection, other related professions need this such as fitness instructors and online personal trainers.

The table above compares the features of general liability insurance from the companies that offer coverage for zumba instructors. 

General liability insurance covers costs if a third party files a claim for bodily injury or property damage against you. Specifically, this type of zumba liability insurance will help you pay:

  • Medical treatments

  • Reimbursements for damaged properties

  • Defense costs

  • Court judgments

Covering claims for bodily injury or property damage is only one of the uses of general liability insurance. In fact, this type of zumba teacher insurance can also be claimed to cover these exposures:

  • Liability over products and completed operations

  • Copyright infringement, libel, and slander lawsuits

  • Accidents caused by a hired/borrowed vehicle

  • Damage to the studio, gym, or any other space you’re leasing or renting

Public Liability Insurance For Zumba Instructors 

Public liability insurance for Zumba instructors is now a significant consideration for most zumba instructors. 

This helps you meet the legal and medical costs if the student files a claim for bodily injury. Public liability insurance will also meet further costs if the court awards the complainant some compensation. 

You can also use public liability insurance if a student holds you responsible for property damage. 

Public liability insurance is rarely available as a stand-alone policy from commercial insurers in the USA. You get this as part of general liability insurance for zumba instructors, aerobics instructors, and barre instructors

Professional Liability Insurance For Zumba Instructors 

CoverWallet  NEXT (Best) Thimble  Hiscox K&K Insurance Canopy
Per occurrence limit  $1,000,000 $2,000,000 $2,000,000 $1,000,000 $5,000,000 $2,000,000
Aggregate limit  $2,000,000 $4,000,000 $2,000,000 $1,000,000 $5,000,000 $3,000,000
Name additional insureds? Yes Yes Yes Yes Yes Yes
Waiver of subrogation included? Yes No Yes Can be included No No
Claims for abuse and molestation also covered? No No No No Yes No
Deductible  $500 $0 $0 $500 $0 $0

Your acts and advice as a zumba instructor can be also a reason for a claim to be filed. 

For example, if you didn’t follow the terms of the studio that hired you, then the owner can file a claim. 

A student can hold you liable if you fail to disclose the risks involved with a particular choreography. The same is also true if your zumba routine doesn’t match the bodily constitution of class attendees. 

As it holds for all professional services, you are going to need professional liability insurance for Zumba instructors. Use the table above to compare the features of professional liability insurance. 

Also called professional indemnity insurance, you can use this to cover lawsuits for:

  • Negligence

  • Inaccurate advice

  • Breach of contract

  • Violation of fair dealing

  • Misrepresentation

Note that some insurance companies allow their professional indemnity insurance for zumba instructors, private personal trainers, and dance instructors to cover HIPAA, sexual abuse, and molestation claims.

Compare Cheap Zumba Instructor Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Tools And Equipment Insurance For Zumba Instructors 

NEXT (Best) Thimble Hiscox Insurance Canopy
Aggregate limit $5,000/$10,000 $1,000/$5,000 $5,000/$25,000 $2,000
Offered as an endorsement to general liability insurance? Yes Yes Yes Yes
Covers hired and borrowed equipment? Yes Yes No No
Miscellaneous equipment also covered? Yes No Yes No
Deductible $500 $500 $0 $100

See to it that your zumba fitness insurance offers tools and equipment coverage. You can find this included in general liability insurance or commercial property insurance. 

The table above compares the features of tools and equipment insurance for zumba instructors. 

Tools and equipment insurance is very useful if you want to avoid incurring losses if something happens to your personal implements.  

The coverage of this insurance applies when your laptop, zumba bag, speaker, and other valuables for zumba class get lost or damaged because of:

  • Fire

  • Theft

  • Vandalism

  • Operator error

  • Mysterious disappearance

  • Impact

  • Water

Commercial Property Insurance For Zumba Instructors 

CoverWallet NEXT (Best) Thimble Hiscox
Building coverage limit (minimum) $50,000 $160,000 $25,000/$500,000 $25,000
Contents coverage limit (minimum) $50,000 $35,000 $25,000/$500,000 $25,000
Outdoor signs Excluded $2,500 $2,500 Excluded
Accounts receivable  Excluded Excluded $5,000/$10,000 Included
Money and securities Excluded $2,500 $1,000 Included
Lock and keys  Excluded Excluded Excluded Excluded
Business interruption floater Excluded Excluded Included Included
Equipment breakdown floater Excluded Included Excluded Excluded
Inland marine insurance floater Excluded Excluded $10,000 Excluded
Employee dishonesty floater Excluded $5,000 $2,500 Included

You likely hold your Zumba sessions at a studio or gym that you lease, rent, or own. Protect this commercial property from perils such as fires, burst pipes, lightning, and vehicular crashes by purchasing commercial property insurance. 

A commercial property policy caters to the costs arising from such events and will typically include protection for the building and valuables inside, such as important documents, furniture, personal belongings, and others. 

By having commercial property insurance, you are assured of being up and running as soon as possible, even when the unexpected happens. The table above compares the features of commercial property insurance from the recommended insurance companies.

Workers’ Compensation Insurance For Zumba Instructors 

To meet the state’s requirements and avoid penalties, it is best that you invest in a workers’ compensation policy, especially if you hire additional staff as part of your zumba business. 

When you or an employee sustains a fracture, hamstring injury, muscle spasms, or calf injury, workers’ compensation insurance provides the money that can be used to cover the following costs:

  • Medical treatment

  • Medication

  • Hospitalization

  • Rehabilitation and retraining

  • Lost wages

  • Funeral expenses and allowance to dependents in case of death 

Personal Accident Insurance For Zumba Instructors

Workers’ compensation insurance doesn’t grant coverage if you or employees sustain injuries outside of work. 

Because of this, it might be smart to get personal accident insurance for yourself and employees. 

Personal accident insurance covers medical treatment and after-hospital visits if you or an employee experiences an accident while doing activities other than leading zumba.  Here are some situations where this is useful:

  • You were riding a taxi. It gets involved in an accident and you got injured

  • You twisted your foot while climbing the stairs of a retail store

  • You suffered from an allergic reaction after having dinner with friends in a restaurant 


By the way, personal accident insurance will provide a cash allowance for 30 days if you become temporarily disabled and can’t attend your zumba classes. 


Commercial Auto Insurance For Zumba Instructors

It’s smart to get commercial auto insurance if you own a vehicle and use that constantly to go to different studios.  Commercial auto insurance takes care of the possible exposures while you’re driving the car for work. It will grant coverage when:

  • You caused an accident while on the way to a studio. Third parties got injured or had their property damage as a result

  • The car you’re driving sustained damage because of fire, theft, vandalism, and other covered perils 

  • You got involved in an accident caused by an uninsured/underinsured driver 

Rank and Review Insurance Companies

Help others make better decisions

Show more

Zumba Instructor Insurance Cost 

Cost per Month Cost per Year Deductible
General liability insurance $19 $228 $0-$500
Professional liability insurance $40 $480 $500-$1,000
Workers compensation insurance $59 $708 $2,000-$5,000
Commercial property insurance $30 $360 $1,000-$2,000
Commercial auto insurance $50 $600 $500-$1,000

The average zumba instructor insurance cost is $19 per month or $228 per year for a $1 million general liability insurance.  Insurance companies consider these factors when determining the premiums for your zumba insurance:

  • Annual revenue

  • Location

  • Number of employees

  • Claims history

  • Certifications

  • Whether or not your students sign waivers off


To save money, consider comparing insurance quotes for Zumba instructors online. This way, you are able to make a more informed decision on which insurer to go with.  Other ways of saving money on premiums are:

  • Having higher deductibles

  • Removing add-ons if they’re useless

  • Buying two or more insurance policies and bundling them to get a 10% discount


To further get an idea about the cost, take a look at this table showing the rates of the best zumba instructor insurance companies:

Cost per Month Cost per Year Best for
NEXT $11 $132 Best overall, Fastest general liability insurance for zumba instructors
CoverWallet $12 $144 Zumba instructor insurance quotes comparison online
Insurance Canopy $12.50 $150 Annual zumba instructor insurance
Thimble $15.44 $185.28 On-demand coverage for zumba instructors
Hiscox $17 $204 General liability insurance with worldwide coverage for zumba instructors
K&K $22 $264 US-based Zumba instructors

Compare Cheap Zumba Instructor Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Best Zumba Instructor Insurance Companies 

Every time you’re at the studio or teaching a class, you want to have the peace of mind that you and your students are sufficiently covered. Make sure that you are working with the best Zumba instructor insurance companies available. To aid your search, here’s a list of insurers you should consider.  Read the reviews below to know their pros, cons, and cost of a $1 million general liability insurance. 

NEXT Zumba Instructor Insurance


  • Best overall

  • Get an online proof of insurance and send as a text message, email, or social media post

  • Fastest general liability insurance for zumba instructors

  • Great customer service and reputation

  • Issues an online proof of insurance instantly

  • Outstanding value for money

  • Bundle two or more insurance policies and get a 10% discount


  • Couldn’t find any


If you prefer an all-digital approach to managing your Zumba instructor insurance, then NEXT is an excellent option for you. Founded in 2016, NEXT provides easy online service and support, allowing you to submit your claims directly through the online customer portal as well as over the phone. Policyholders are able to access their certificate of insurance and add additional insureds online. 

NEXT’s Zumba instructor insurance starts at $11 per month or $132 annually. This package offers the following: 

  • General liability insurance 

  • Professional liability insurance 

  • Workers’ compensation insurance 

  • Commercial property insurance 

  • Commercial auto insurance


Best for: Best overall, Fastest general liability insurance for zumba instructors 

Average cost: $11 per month 

Our rating: 10/10

CoverWallet Zumba Instructor Insurance


  • Stable rates

  • Compare zumba instructor insurance quotes online

  • Manage your policies online

  • Hired/non-owned auto coverage automatically included in general liability insurance


  • Not an insurance company but an insurance broker 

CoverWallet is an online insurance marketplace and comparison website that allows you to purchase different kinds of business insurance policies for zumba instructors online. This company gives you the zumba insurance quotes of its partners, and is a great option if you’re looking for variety. Your coverage as a zumba instructor will come from this company’s partners such as Liberty Mutual, CNA, Chubb, and others. 

Best for: Zumba instructor insurance quotes comparison online

Average cost: $12 per month

Our rating: 10/10

Hiscox Zumba Instructor Insurance


  • Easy-to-use website 

  • Customer-focused approach 

  • 14-day money-back refund policy 

  • Discounts of up to 5% are available if you bundle two or more Hiscox products 


  • Longer than acceptable claims processing 

If you are a Zumba instructor with less than ten employees, then Hiscox is a viable insurer for you as it specializes in smaller enterprises. With an A Grade for AM Best, you are assured of the insurer’s financial strength. 

Hiscox’s zumba instructor insurance costs $17 per month or $204 per year. You can get general liability, professional liability, business owner’s policy, and cyber liability insurance from this. By the way, you can customize your policy and include endorsements for equipment breakdown, waiver of subrogation, primary and noncontributory damages, etc. 

Best for: General liability insurance with worldwide coverage for zumba instructors

Average cost: $17 per month 

Our rating: 9/10

Thimble Zumba Instructor Insurance


  • Coverage in less than 60 seconds

  • Flexible coverage periods with policyholders having the option of choosing between hourly, daily, or monthly coverage 

  • Thimble allows policyholders to generate as many certificate of insurance (COI) as they need 


  • Customer support is only available online 

Thimble, backed by Markel, grants on-demand long-term and short-term coverage for zumba instructors. The company offers a variety of coverage options, all offered in mere minutes. If you are just starting out with a small Zumba instructor business, you will be able to get all the insurance coverage you need under one roof. 

Thimble’s digital experience makes it a breeze to work with. This company’s website is user-friendly and organized, allowing you to shop for quotes with just a few clicks. On the website, you get a quote, buy a policy, and file claims online.  

Like most of the other providers, the pricing is subject to the type and amount of coverage you purchase. Policies you can get from Thimble are:

  • General liability insurance 

  • Commercial property insurance 

  • Business interruption insurance 

  • Professional liability insurance 

  • Business equipment protection 

  • Workers’ compensation insurance 

Thimble’s general liability insurance for Zumba instructors is $15.44 per month or $185.28 per year. However, these costs can quickly increase if you decide to add professional liability insurance and business equipment coverage as optional policies.  Business equipment starts at $6 per month and professional liability insurance is $36 per month. 

Best for: On-demand coverage for zumba instructors 

Average cost: $15.44 per month 

Our rating: 9/10

K&K Insurance For Zumba Instructors 


  • Prospective policyholders can get quotes online 

  • Zumba instructor insurance includes an identity protection plan 

  • Up to $5 million general liability and professional liability coverage limit

  • Immediate coverage with proof of insurance 


  • Doesn’t cover Zumba instructors under 18-years-old

If you are a US-based Zumba instructor, you stand to benefit significantly from K&K’s Zumba instructor insurance offering. The latter includes general and professional liability insurance with significantly higher limits. As a policyholder, you can include additional coverage to best meet your business’s insurance needs. K&K offers broad-form rented premises liability coverage, identity theft coverage, and abuse and molestation coverage. 

Best for: US-based Zumba instructors 

Average cost: $22 per month 

Our rating: 9/10

Insurance Canopy Zumba Instructor Insurance 


  • Instant coverage received in minutes 

  • Certificate of insurance processed instantly upon request 

  • Nationwide coverage 

  • Cheap premiums if you only get a stand-alone general liability insurance without any add-ons


  • Less than stellar customer reviews 

  • Add-ons to your zumba liability insurance are very expensive

If you are looking for all-in-one liability insurance for Zumba instructors, you can get it from Insurance Canopy for $12.50 monthly or $150 annually. You will be able to purchase coverage online and while on the go. If you travel across different destinations offering your Zumba instructions, you will greatly benefit from Insurance Canopy as its coverage is countrywide. 

Best for: Annual zumba instructor insurance

Average cost: $12.50 per month 

Our rating: 7/10

Recent Reviews

Recent Posts

Additional Business Insurance posts