Business Insurance for Zumba Instructors

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Fitness Instructor
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If a client claims that a dance move caused injury, your business could face a lawsuit. Insurance for Zumba instructors covers costs related to client injuries, property damage, and more.

Two people in tank tops in a Zumba studio.
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One application, multiple quotes

Insureon helps Zumba instructors compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

What types of insurance do Zumba instructors need?

These policies provide coverage for common risks faced by Zumba trainers.

Business owner’s policy icon

Business owner’s policy

A BOP bundles commercial property insurance and general liability insurance under one plan. It's often the most cost-effective type of commercial insurance for a Zumba instructor.

  • Customer injuries
  • Damaged customer property
  • Damaged business property
General liability insurance icon

General liability insurance

This policy covers common Zumba risks, such as a smartphone dropping out of a client’s pocket and breaking during a session. Bundle with property insurance for savings in a BOP.

  • Slip-and-fall accidents
  • Damaged customer property
  • Libel or slander lawsuits
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for Zumba studios that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Missed wages
  • Legal costs
Professional liability insurance icon

Professional liability insurance

Professional liability insurance for Zumba instructors can cover legal expenses if a client claims that improper instruction or negligence led to an injury.

  • Accusations of negligence
  • Cancelled classes or missed appointments
  • Claims that a Zumba session caused injury
Looking for different coverage? See more policies.

Why do Zumba instructors need insurance?

Just as you protect your clients’ health through aerobic exercise and Latin dance, you also need to shield your small business. Zumba instructor insurance can help cover costs when dealing with lawsuits over alleged training injuries, property damage, and other risks unique to Zumba.

How much does insurance cost for sports and fitness professionals?

Fitness professional in a tank top calculating insurance costs.

Several factors will have an impact on insurance costs, including:

  • Sports and fitness services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
View Costs
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