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
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.
| 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 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.
| 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.
Get all the best quotes from leading providers in a click of a button!
| 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
| 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.
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
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.
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
| 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 |
Get all the best quotes from leading providers in a click of a button!
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.
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
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
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
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
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
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
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
It really can't get any better than this... wow
Not all those who wander are lost.
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