Liability Insurance for Zumba Instructors

For only $179 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 $17 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.

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!
  
  

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.

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.

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. 

Get information on how to become a Zumba instructor here.

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.