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Liability Insurance for Zumba Instructors

Zumba may be a fun and upbeat way to burn calories and get group fitness classes engaged in working out, however, injuries can happen.

Studies show that 1 in 4 Zumba class participants have had injuries from their classes and there are thousands of group-fitness related emergency room visits each year and even more doctor’s visits. 

Let Insure Fitness Group protect your career and your future with the best coverage in the industry- for less than your gym membership.

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Zumba Instructor Liability Insurance

Zumba Instructor Insurance Program Highlights

Zumba Instructor Liability Insurance

Why Do You Need Zumba Instructor Insurance?

If a client claims that a dance move caused injury, your business could face a lawsuit. Insurance for Zumba instructors covers costs related to client injuries, property damage, and more.

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 #1 group fitness class worldwide, students can over-exert themselves or perform moves incorrectly, resulting in injuries the instructor may be liable for.


Receive instant coverage and proof of insurance certificate via email immediately upon checkout, which takes less than 5 minutes.


Professional + General Liability: $1 million per occurrence, $3 million per year Product Liability: $1 million per occurrence


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You get identity protection, $1,000 of stolen equipment coverage, and fitness-related product discounts.

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Zumba Instructor Liability Insurance

Zumba Instructor Insurance FAQs

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.

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.

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 $17 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. 

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.

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.

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 $179, our insurance for Zumba instructors is one of the best values in the industry.

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.

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Still have questions about our program or personal trainer insurance in general? No worries! Insure Fitness Group is available Monday through Thursday from 8 AM to 7 PM ET. On Fridays, we’re open from 9 AM to 7 PM ET. Leave us a message after-hours and we’ll get back to you ASAP! Contact us via online chat, telephone, or email, and we’ll get you the answers you need.


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