ZUMBA INSTRUCTOR INSURANCE
INSURE FITNESS GROUP OFFERS zumba INSTRUCTORS ACCESS TO AFFORDABLE, ALL-INCLUSIVE LIABILITY INSURANCE.
Zumba may be a fun and upbeat way to burn calories and get group fitness classes engaged in working out, however, injuries can happen, even in the most basic movements.
With thousands of group-fitness related emergency room visits each year and even more doctor's visits, injuries happen more often than we're aware of.
Let Insure Fitness Group protect your career and your future, with the best coverage in the industry- for less than your yearly gym membership.
no hidden fees,
as low as $15.49 per month
zumba instructor Insurance Program Highlights
Insurance for Students in Yoga Teacher Training
Professional & General Liability: $2 Million
Individual Annual Aggregate: $3 Million
Rental Damage Insurance: $100,000
Occurrence Form Coverage
Stolen Equipment Insurance: $1,000 *$250 deductible
Identity Protection Plan
PLUS Free Professional Website
WHY DO YOU NEED zumba INSTRUCTOR INSURANCE?
ACCORDING TO THE U.S. CONSUMER PRODUCT SAFETY COMMISSION, THERE ARE APPROXIMATELY 460,000 REPORTED FITNESS INJURIES A YEAR.
zumba takes the "work" out of workout, by mixing low-intensity and high-intensity moves for an interval-style, calorie-burning dance fitness party. while this philosophy has made zumba the number one group fitness class, worlwide, students can over-EXERT themselves or perform moves wrong, resulting in injuries the zumba INSTRUCTOR may be liable for.
AS a zumba teacher AND group FITNESS INSTRUCTOR, YOU MAKE EVERY EFFORT TO INSURE YOUR CLIENTS ARE EXECUTING EXERCISES PROPERLY, BUT ACCIDENTS CAN STILL HAPPEN.
ARE YOU COVERED IN THE EVENT OF AN ACCIDENT OR INJURY in your class?
You'll receive instant coverage and a proof of insurance certificate via email immediately upon checkout.
Professional + General Liability: $1 million per occurrence, $3 million per year
Product Liability: $1 million per occurrence
We've teamed up with PayPal credit to make it easy for you to pay for your policy the way you need.
You get identity protection, $1,000 of stolen equipment coverage, and fitness-related product discounts.
Our personal training and group fitness insurance program covers a multitude of exercise programs, along with hundreds of other healing practices. Check out our chart to the right for a sample of some of the fitness programs your policy automatically includes coverage for.
And if you don’t find your style or technique listed here, call us at 800-379-7799 and we’ll let you know if we can cover you!
What Others Say ABOUT IFG
I was hunting for a good insurance policy that covered all the modalities I offer, and stumbled across IFG. What a wonderful experience, and great customer service. And IFG is affordable plus the benefits to be with them are great. Thanks IFG!!!
/ IFG Member
All representatives are extremely polite and willing to help out in any way possible….I have been a member for quite some time and would recommend them to everyone…Thank you for all your help when needed.
/ IFG Member
A special thanks to Insure Fitness Group for providing this. I've been in business for over 25 years and the policies at IFG are the best in the industry. I'd rather have it and not need it, as opposed to needing it and not having it!
/ NPTI, Florida Owner
ZUMBA INSTRUCTOR INSURANCE FAQs
I only rent space at a studio, do I need Zumba instructor insurance?
Absolutely. Mishaps can happen to even the most experienced Zumba instructors, exercising extreme care and attention to students. As a renter, you would not generally be covered under your landlord’s liability policy so any claims against you would be up to you to cover. General and professional liability insurance helps to protect you against third party claims for injuries and damages. Insure Fitness takes it a step further by including 360 degrees of protection with product liability coverage, stolen equipment coverage, rental damage coverage (an important consideration for anyone renting space), an identity protection plan, and more.
What does Zumba instructor liability insurance cover?
Most claims that are brought against professionals teaching Zumba classes fall under the categories of general and professional liability.
General liability covers claims against you for third party (not yourself or the insurance company) claims of injury or property damage. This is also called “slip and fall” insurance since so many cases have arisen from this type of incident. However frivolous a lawsuit may seem, without generous protection you will be left covering costs yourself.
Professional liability covers claims related to a student asserting your services caused them some form of harm or loss. Simply pushing a student too hard and causing a form of injury could be grounds for a suit to be brought. Our all inclusive coverage plan helps pay for these costs and also legal defense fees if required.
Taking it a step further, our insurance plan for Zumba instructors also provides:
- Product Liability Coverage: pays up to $1 million per occurrence for claims related to an equipment malfunction that results in injury.
- Stolen Equipment: pays up to $1,000 for vital equipment ($250 deductible applies)
- Identity Protection Plan: provides up to $25,000 in identity recovery services if your identity is ever put at risk.
If I work for a studio, do I need my own Zumba instructor insurance?
For the best possible protection for your career and personal finances, having your own policy is imperative. Most studios have their own insurance policies but we have seen many instances where the claimant goes after both the studio and their instructor. The limits for employees in your studio’s policy may not be enough to cover all the costs associated with a claim - leaving any shortfalls up to you. With our Zumba insurance program costing less than $16 per month, Insure Fitness provides a cost effective way for professionals to set up safeguards against the possibility of a future claim. Our insurance program lets you focus on leading your Zumba class and letting us have your back whenever you need us.
What is the fastest way to get Zumba instructor insurance?
With Insure Fitness Group, as soon as you apply, you are covered! The application itself usually takes about five minutes to complete so all in you are looking at a pretty quick process. As soon as you’re done, you will enjoy immediate and complete coverage.
Where can I find ratings for Zumba liability insurance companies?
Knowing the internet is full of fake reviews, we choose to partner with an independent review platform called TrustPilot. TrustPilot helps get verified members’ reviews in a completely unbiased and pressure free environment. So you know IFG’s 4.6 out of 5.0 rating you see on TrustPilot came from real life people who just really liked their experience with us. We’re proud to maintain an “Excellent” rating on TrustPilot’s independent platform.
How do you market Zumba classes?
One of the most cost effective and powerful tools at your disposal for marketing your Zumba classes is the internet. But in order to market on the internet you need a website. Partnering with your success, our Zumba insurance plans come with a free professionally-designed website to help launch your services on the world wide web. Having a website populated with relevant information helps people searching in search engines like Google and Bing to be steered right to your site. A free website is just one way we combine incredible value with incredible coverage, and do it all at the low rate of just $169 per year for professionals.
Do I have insurance coverage if my Zumba equipment is stolen?
Definitely. We know how much you depend on your equipment to provide a really great session to students so provide up to $1,000 equipment that is removed from your possession.
What are the coverage limits for Zumba instructor liability insurance?
For general, professional, and product liability claims, members enjoy $1 million per occurrence and a $3 million individual annual aggregate. Our program also provides up to $1,000 in stolen equipment coverage ($250 deductible applies). At just $169, our insurance for Zumba instructors is one of the best values in the industry.
How much is Zumba instructor insurance?
For only $169 per year, we offer incredibly robust coverage limits and diverse protection mechanisms so that our members can wholly focus their attention on helping students better themselves through the art of Zumba. You can also take advantage of our flex payment option which affords payments as low as $15.49 a month, depending on credit worthiness.
We also offer insurance just for Zumba instructor students which includes all of the same coverage as our professional plan at just $25 for a full year.
What member benefits are included with my Zumba insurance?
In addition to all inclusive insurance, our program for Zumba instructors includes hundreds of dollars worth of exclusive membership benefits. Member benefits from Insure Fitness include:
- Access to MetLife Vision and Dental coverage
- Free Subscription to Personal Fitness Professional
- 20% off Web Exercises Academy Courses
- Rental Car discounts from Hertz, Thifty, and Dollar Car Rental
- Free Professional Website
- Partnerships with Top Brands
- Discounts from Leading Names in Fitness Gear and Accessories
- Fun Promotional Giveaways
- Free Business Resources
- Curated Content from Fitness Pros
- And more!
Why do Zumba instructors need insurance?
Insurance is all about risk management. By providing your service to others, you are opening yourself up to the risk of a claim should a future event arise. Engaging activities like Zumba and other fitness styles unfortunately presents many opportunities for a claim. Considering that a claim can run in the thousands of dollars, insurance for Zumba instructors is an affordable way to protect yourself and your career. Consider these examples within a few key coverage areas:
- General liability: a student walking into your studio slips on a towel left on the floor, breaks their elbow, and sues you for their medical expenses and lost wages.
- Professional liability: a student tears a muscle during your class and demands you pay for their physical therapy sessions.
- Product liability: you decide to incorporate a step device into your Zumba class and the product fails in mid step for one student causing them to be injured. They file suit against both the studio you work for and you individually.
Each of these coverage areas comes with a $1 million per occurrence and $3 million individual annual aggregate.
What is the best Zumba instructor insurance near me?
The best Zumba insurance program will combine solid coverage limits for the two most common types of claims for Zumba pros - General and Professional liability. Going further, a great Zumba insurance plan should provide Product Liability coverage, stolen equipment coverage, and an Identity Protection Plan. But to really make it a great value for professionals, membership should mean something and should include hundreds of dollars worth of exclusive membership benefits. Having a knowledgeable agent to talk to 6 days a week would be a bonus. Good thing that’s how we do things at IFG.
Why is product liability coverage important for Zumba instructors?
Product liability coverage is important for Zumba instructors and other fitness pros as it applies to the fitness gear and accessories needed to conduct a session. Even when you are right there, rep for rep with your client, the smallest malfunction in the equipment could result in an injury. With IFG’s Zumba insurance plan, you receive up to $1 million per occurrence for the costs associated with a product liability claim.
Can I teach Zumba in my home and still be covered by Zumba insurance?
Absolutely. Wherever you find it best to provide services, your insurance plan with IFG will follow as long as you’re following state guidelines. This is called portability and is just one small way we want insurance to be easy and above all, useful when needed.
How is professional liability different from general liability with Zumba insurance?
Professional liability insurance is called malpractice insurance because it relates to claims concerning the actual services you provide. This means a client has asserted that your instruction caused them some form of harm or other loss. This can be as simple as a client taking it a little too far in class and overexerting themselves. In this case, they might hold you responsible for any costs associated with the event. Without insurance, you’ll be left paying these costs out of your own pocket.
Conversely, general liability insurance provides coverage for third party claims for injury or property damage. This is also called “slip and fall insurance” since so many claims are filed against business owners in this regard.
Where can I get a Zumba instructor student insurance policy?
We offer all of the same coverage limits and benefits as our professional program to students for the incredible rate of only $25 for a full year of coverage. Many student instructors find it beneficial to wait to secure this coverage until they are nearing graduation. This way, they can enjoy great coverage through the majority of their first year in the industry all for only $25.
Still have questions about our program or fitness instructor insurance in general? No worries! Insure Fitness Group is available Monday through Friday, from 8:30 AM to 5:30 PM ET. And we have an after-hours line, too! Contact us via online chat, telephone, or email, and we’ll get you the answers you need.