$189 /YEAR
Last year, Insure Fitness Group protected over 200,000 professionals like you with liability insurance protection. Get complete Zumba® instructor insurance coverage including professional liability insurance and general liability insurance, for just $189 per year. This annual rate gives you financial protection that supports long-term teaching and lets you build your Zumba® business with confidence.
No Hassle. No Quotes. Immediate Insurance Coverage.
500+ Techniques Covered | Includes Online & In-Gym Training | Liability insurance coverage in all 50 States
Every Insure Fitness policy provides complete protection with professional and general liability coverage, identity theft protection, and industry-specific safeguards tailored for certified Zumba® instructors, dance-fitness coaches, and group movement professionals.
Superior protection that covers you even after your policy expires
No quotes, no waiting periods – coverage starts immediately
Protected while teaching in studios, gyms, community centers, client locations, outdoors, and online
Download instantly and add additional insureds.
One-Year Full Liability Insurance Coverage
Comprehensive protection for injuries or damages that occur during Zumba® classes, dance-fitness sessions, choreography instruction, or group movement training. Includes $1 million per occurrence and $3 million aggregate coverage for maximum peace of mind.
Protects your dance-fitness business if you're accused of slander, libel, copyright infringement, or invasion of privacy in your class promotions, social media content, or marketing materials.
Get up to $25,000 per year in coverage if your personal identity is stolen and used fraudulently.
Protection that continues even after your policy expires for incidents that occurred while your coverage was active.
From dance-fitness and choreography to virtual classes and specialty formats—everything is included under one comprehensive policy.
Protected whether you're teaching in studios, gyms, client homes, community spaces, outdoor locations, or online.
Download your certificate immediately after purchase and add additional insureds anytime.
Save on dance-fitness education, workshops, and trainings through our partner programs.
Skip the hassle. Get instant coverage with immediate policy activation.
Our insurance covers over 500 fitness and dance modalities, making it the most comprehensive liability coverage for Zumba® instructors and dance-fitness coaches.
Compare our affordable Zumba® instructor insurance rates with other providers and see why thousands of dance-fitness professionals choose us.
| Insurance Provider | Annual Cost | Monthly Cost | Your Savings |
|---|---|---|---|
| Insure Fitness Group | $189 | $15.75 | - |
| Hiscox Insurance | $270 | $22.50 | Save $81 |
| NEXT Insurance | $269 | $22.42 | Save $80 |
| K&K Insurance | $209 | $17.42 | Save $20 |
Disclaimer: Monthly cost reflects the average monthly rate when paying the full annual premium upfront. Insure Fitness Group plans are billed annually.
Insure Fitness Group has protected over 200,000 professionals with liability insurance. Why does that matter? Because the average liability claim in the fitness and dance-movement industry costs around $25,000. For just $189/year, you get comprehensive Zumba® instructor insurance—including $1 million/$3 million liability coverage, $25,000 identity theft protection, and occurrence form coverage—so you're protected if the unexpected happens during your Zumba® classes.
Trusted & Accredited by the BBB
Insure Fitness Group is proud to hold an A+ accreditation from the Better Business Bureau—a reflection of our deep commitment to trust and putting our customers first.
Backed by Industry Leader Arthur J. Gallagher
Rest assured—your career is in good hands with Insure Fitness Group. We’re A-Rated (Superior) and proudly backed by Arthur J. Gallagher.
A-Rated (Superior) by AM Best
Insure Fitness Group’s insurance partner holds an A-Rating from AM Best—an industry-leading credit rating agency since 1899. This rating reflects strong financial stability and a proven ability to meet policyholder obligations.
See how our insurance coverage protects Zumba® instructors in actual claim scenarios. These examples show why $189/year is the smartest investment you'll make for your dance-fitness career.
Scenario: During a high-energy Zumba® routine, a participant slips on a sweaty spot on the floor and injures their ankle, requiring urgent care and physical therapy.
Coverage: General liability covers medical expenses and legal claims if a participant alleges the class environment was unsafe or not properly maintained.
Scenario: A participant injures their back trying to follow a fast choreography sequence and claims your cues or modifications were unclear or insufficient.
Coverage: Professional liability covers injuries attributed to your instruction, choreography, cueing, or movement guidance.
Scenario: A participant following your virtual Zumba® class from home claims your choreography caused a muscle tear and sues for medical bills and lost wages.
Coverage: Professional liability protects you from claims related to online Zumba® classes, virtual coaching, and digital choreography guidance.
Scenario: While teaching a private in-home Zumba® session, a participant missteps during a turn sequence, falls, and suffers a wrist injury that requires medical care.
Coverage: General liability covers bodily injury that occurs during your Zumba® instruction—whether in a studio, client’s home, or outdoor space.
The average liability claim in the fitness and dance-movement industry costs $25,000. For just $189/year, protect yourself from financial risk and continue leading the high-energy Zumba® classes your students love.
Get Instant Coverage NowInsure Fitness Group stands out from other insurance providers because we have one of the most affordable options and provide occurrence form coverage. This type of coverage protects you from claims tied to incidents that happened during your policy period, even if your policy has already expired.
Wouldn’t knowing that you are protected even if you no longer have an active policy with us provide you with the ultimate peace of mind?
There are two primary types of liability insurance: professional liability insurance and general liability insurance. Both are essential for every Zumba® instructor and wellness professional in today’s fitness industry.
General liability insurance: Often referred to as “slip and fall” coverage, general liability insurance helps protect against liability claims that happen outside of your direct professional services. For example, if a client slips during class check-in because the studio floor is still damp from a previous Zumba® session or twists an ankle while finding a spot in a crowded room, this type of insurance coverage helps with medical expenses and legal fees from the resulting client claims.
Professional liability insurance: Sometimes called malpractice insurance, professional liability provides protection if a customer files a claim related to your instruction. For instance, if a client strains their knee during a fast tempo transition or experiences a muscle pull after following choreography cues in your Zumba® class, this coverage helps with bodily injury claims, lost wages, or other costs that may arise. This protection applies even when the claim involves financial losses tied to the injury.
These coverages protect professionals from liability for non-physical injuries or damages resulting from actions like defamation, false arrest, invasion of privacy, and copyright/trademark infringement in advertising and marketing. This is an additional coverage type that is included in an IFG policy.
Identity theft is an increasing threat. Identity Theft Protection assists in covering the expenses related to recovering your identity should it be compromised, assuring your personal and professional identities are secure. This is an additional coverage type that is included in an IFG policy.
*MM = Million
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Not all instructor insurance is created equal. See how IFG stacks up against top competitors based on pricing, coverage, and included benefits.
| IFG | Hiscox | Insurance Canopy | K&K Insurance | NEXT Insurance | |
|---|---|---|---|---|---|
| Professional Liability (Malpractice) | $1MM/$3MM | Varies by state | $2MM/$3MM | $1MM | Varies by state |
| General Liability (Slip & Fall) | $1MM/$3MM | Varies by state | $2MM/$3MM | $1MM | Varies by state |
| Occurrence-Form Coverage | |||||
| Identity Protection Plan | |||||
| Immediate Coverage | |||||
| Access to Health, Vision & Dental Insurance | |||||
| Student Coverage Available | |||||
| Covers All 50 States | |||||
| Member Benefits Included | |||||
| Price | $189/YEARBUY POLICY | $270/YEAR (Starting Price) | $189.75/YEAR (Starting Price) | $209/YEAR (Starting Price) | $269/YEAR (Starting Price) |
Still looking at options? See how our instructor insurance compares →
If you’re currently studying to become a fitness professional, you don’t have to wait to protect your future. Our student fitness trainer insurance offers affordable, comprehensive coverage designed just for aspiring trainers. Stay protected while you learn—because accidents don’t wait for certifications.
Zumba® instructors need their own insurance policy, even if they teach in a gym that provides some level of fitness instructor insurance. The safety of your clients is always the priority, and accidents could happen in any setting, even with experienced instructors leading fast-paced, high-energy classes.
When you choose Zumba® instructor liability insurance, you are protecting your career and strengthening the trust your clients place in you. That trust supports long-term client loyalty and sets you apart as a reliable, safety-focused instructor in the competitive fitness industry.
With the right professional liability insurance in place, you gain peace of mind knowing you are protected against liability claims. This lets you focus fully on delivering safe and effective instruction while supporting a healthy routine for your clients.
Your insurance coverage protects you from liability claims that may happen during Zumba® classes. Zumba® insurance coverage from Insure Fitness Group includes both general liability and professional liability, supporting you if a participant is injured during choreography or slips on the studio floor before class. It also provides coverage if a claim involves medical bills, defense costs or other expenses tied to the incident.
Most instructors do. Even if a gym carries its own policy, that coverage usually won’t extend fully to independent contractors leading Zumba® classes. Having your own policy helps protect you wherever you teach, from a Zumba® studio to outdoor community spaces.
Most Zumba® instructors choose liability limits between $1 million and $3 million. These limits provide strong protection if a participant is injured during a high-energy routine or files a claim after class. The goal is to carry enough coverage to teach confidently in any setting while knowing you’re protected.
Not at all. You’re able to add additional insureds for just $10 each, giving you the flexibility to stay covered in every space where you teach Zumba®.
Yes. Your policy covers Zumba® classes that incorporate small props such as light weights, rhythm sticks, or resistance bands. This protection applies across all approved Zumba® formats, helping keep your classes safe no matter which tools you use. Please explore the who we cover section to check!
Clients trust instructors who take their safety seriously. Carrying comprehensive liability insurance shows you are prepared, professional, and committed to protecting everyone in your Zumba® class, which strengthens long-term client loyalty.
Yes. Outdoor Zumba® classes still carry risk, whether you’re teaching in a park, at the beach, or on a community patio. Liability insurance protects you if a participant is injured during your class, no matter where you teach.
If a participant slips on a slick floor from sweat after a high-energy routine, loses balance during a turn because the flooring is too smooth, or trips while finding their spot as class begins, your liability insurance helps protect you.
You can buy your policy online in minutes. That way, you stay focused on your classes and gain immediate peace of mind knowing you’re covered before your next Zumba® session.
A full year of coverage is $189, and that includes your entire Zumba liability insurance policy with professional liability, general liability, personal and advertising injury coverage and Identity Theft Protection.
