Business Insurance for Zumba Instructors

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Fitness Instructor
Several people working out in a Zumba class.
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Why do Zumba instructors need insurance?

Your goal is to improve your clients' fitness, but with exercise comes the risk of injury. If a client claims that a dance move caused an ankle sprain or torn meniscus, the result could be a lawsuit. Zumba insurance for your small studio can cover financial losses related to injuries, fires, and theft.

Two people in tank tops in a Zumba studio.
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Find the right coverage

Insureon helps Zumba instructors find insurance that matches your unique risks.

Get free expert advice and peace of mind knowing you have the right property and liability coverage for your small business.

What types of insurance do Zumba instructors need?

These insurance policies cover the common risks of dance fitness classes.

Business owner’s policy icon

Business owner’s policy

A business owner's policy, or BOP, bundles commercial property insurance and general liability coverage at a discount. Small Zumba fitness studios are usually eligible.

  • Customer bodily injuries
  • Accidental damage to customer property
  • Stolen or damaged business property
General liability insurance icon

General liability insurance

A general liability insurance policy covers third-party accidents, such as a person who slips and breaks a wrist during a Zumba class. Bundle it with property insurance for savings in a BOP.

  • Slip-and-fall accidents
  • Accidental damage to customer property
  • Lawsuits related to social media posts
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
  • Disability benefits
  • Legal costs from employee injuries
Professional liability insurance icon

Professional liability insurance

This Zumba instructor liability insurance covers legal fees if a client blames you for an injury. It’s sometimes called errors and omissions insurance or professional indemnity insurance.

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

Strengthen your business with insurance

How much does insurance cost for sports and fitness professionals?

Fitness professional in a tank top calculating insurance costs.

A Zumba instructor who works independently will pay less for insurance than a large Zumba studio.

Factors that affect premiums include:

  • Sports and fitness classes offered, such as Zumba or aerobics
  • Business property and equipment
  • Business income
  • Types of insurance purchased
  • Policy limits, deductibles, and additional insured endorsements
View Costs

How do I get Zumba instructor insurance?

It's easy to get Zumba instructor insurance policies if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your Zumba studio, whether you work independently or hire employees.

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