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Zumba Instructor Insurance
Compare insurance for Zumba instructors
Tailored insurance for self-employed Zumba instructors
Protect against claims from students, and studio owners
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Get cover to protect against claims from class goers and the public
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What is...
Zumba teacher insurance?
Whether you teach at a local gym or in a church hall - if you’re teaching members of the public, you could run into risks. Someone could trip and fall during your class, suffering an injury or your expensive speakers could be stolen. Whatever the risks, it’s important to consider protecting yourself, your class and your business.
Zumba instructor insurance is designed to protect Zumba teachers against risks and potential claims that you could run into while teaching.
It provides peace of mind, so you can focus on teaching a great Zumba class and continue to shimmy and shake.
Why do Zumba instructors need insurance?
Whether you have a weekly class or teach every day – it's important to have the right cover in place for your classes, as you might run into the following:
- A student gets injured during class
- You injure yourself while teaching
- A student claims you gave out incorrect or wrong advice
If you run a fitness studio and hire employees – you’ll also need employers’ liability insurance, which is a legal requirement. If you are self-employed and work alone as an instructor, you won’t need this.
What type of insurance can Zumba instructors get?
Policies will vary per provider, and terms and conditions apply, so always check the small print in your policy wording to see what’s included and excluded. Your insurance cover could include:
Public liability insurance
In case someone injures themselves or you accidentally damage something while teaching.
Professional Indemnity insurance
Covers claims if a student alleges poor instruction caused injury or damage
Personal accident insurance
In case you injure yourself while teaching and can’t work.
Business equipment insurance
Covers theft or damage to your expensive equipment like portable speakers or sound systems.
Employers’ liability insurance
In case an employee gets ill or injured because of the work they do for you. A legal requirement if you have employees.
What doesn’t it cover?
Although not every insurer is the same, you are likely to see some exclusions. Always refer to your policy wording to see what’s included and excluded. You may see the following exclusions:
- High-risk activities outside standard Zumba (like using bars for weightlifting)
- Deliberate or reckless actions
- Teaching in unauthorised or unsafe venues
- Deliberate acts of negligence
Always tell your broker details of your classes, including where you teach and whether you work with children, so they can arrange the right cover for you.
How much does Zumba insurance cost?
No two insurers are the same, so it’s difficult to give a solid figure for what you might be paying for an annual insurance policy. The following will affect the price of your premiums:
- Extent of cover - The more cover you opt for, the more expensive your package is likely to be.
- Your insurer - The insurer you choose will also influence costs.
- Experience level - Your insurer could take into account how long you’ve been qualified.
- Other fitness activities - If you are also qualified for other fitness activities outside of Zumba, you should tell your broker.
- Location – Where you work is taken into consideration when calculating the price of your premiums.
Claims history - Whether or not you’ve had previous claims made against you or you have made previous claims may affect your future premiums.
Sort your Zumba instructor insurance with Bionic
At Bionic, we support UK business owners and want to help in every way we can. That’s why we have knowledgeable insurance brokers who work with a panel of trusted insurers to compare business insurance quotes to find the right fit. Get in touch with us today by starting a quote online.
Appropriate insurance cover can help Zumba instructors focus on teaching dance fitness, knowing they're protected against potential risks.
Insurance Director, James Barwell
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You only need a few details to get started with getting a quote online, so it’s best to have the following information ready to go:
Your business name and trade
Your policy start date
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You may be asked additional questions about business activities
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