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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.
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.
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.
BEST FOR
- Slip-and-fall accidents
- Accidental damage to customer property
- Lawsuits related to social media posts
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.
BEST FOR
- Customer bodily injuries
- Accidental damage to customer property
- Stolen or damaged business property
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.
BEST FOR
- Accusations of negligence
- Cancelled classes or missed appointments
- Claims that a Zumba session caused injury
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.
BEST FOR
- Employee medical expenses
- Disability benefits
- Legal costs from employee injuries
Commercial auto insurance
Commercial auto insurance covers the cost of an accident involving a vehicle owned by your Zumba studio. Each state has its own requirements for auto liability insurance.
BEST FOR
- Property damage caused by your vehicle
- Lawsuits from an auto accident
- Vehicle theft and vandalism
Cyber insurance
Cyber liability insurance helps your Zumba company recover from data breaches and cyberattacks. It's strongly recommended for any business that stores customer information.
BEST FOR
- Customer notification costs
- Fraud monitoring services
- Cyber extortion payments
Looking for different coverage? See more policies.
How much does insurance cost for sports and fitness professionals?
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
Strengthen your business with insurance
View video transcript.
There's healthy...and then there's business healthy. Strengthen your small business with the right insurance protection..
Small business insurance provides the support you need for heavy lifting.
On the job, it always helps to know you have a strong base. And we've got your back with top-rated policies at affordable prices.
No matter what big roles your small business has, this is probably the easiest box you can check.
Start your application now. Get your policy same day, and smash those goals.
Insureon. Protection is peace of mind.
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:
- Complete a free online application
- Compare insurance quotes and choose policies
- 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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