Zumba Instructor Insurance

You can save up to 25% in discounts on business insurance.*

Choose your primary coverage to get started:

General Liability

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Workers' Compensation

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Professional Liability

Commercial Property

Other Coverages

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Zumba instructor insurance designed to protect your business

NEXT Insurance is a one-stop shop to help you get the Zumba instructor insurance you need to protect your business from accidents, injuries, and legal fees. Our insurance packages typically include:

General liability
Professional liability (E&O)
Workers’ compensation
Commercial property

We’ll help you get the business insurance coverage you need

It’s all about managing your risk. See the different zumba instructor insurance policies available and save up to 10% when you bundle two or more of our policies.

General Liability

Protection for the injuries, accidents and damage you cause

General liability insurance covers a wide range of Zumba accidents and basic risks. You’ll have financial protection if someone gets hurt during a class or you are held responsible for damaging property that doesn’t belong to you. It’s often required by gyms and some clients.

general liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Professional Liability (E&O)

Coverage against business mistakes and claims of negligence

Professional liability insurance (also known as errors and omissions) helps you defend yourself if you’re accused of making a mistake that causes someone to lose money. For example, if you are accused of pushing a client too hard in class, triggering an asthma attack that requires medical treatment, it could help cover related expenses to defend yourself or redo the job.

professional liability can help you pay for:

Professional negligence (actual or alleged)

Legal defense costs

Legal judgments

Workers' Compensation

Coverage for workplace injuries

Workers’ compensation insurance can help pay for medical care and lost wages after a workplace injury. It’s almost always required if you have employees. Choose business owner’s coverage with your policy to protect yourself.

workers compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

Commercial Property

For business owners who own or rent physical spaces

Commercial property insurance can help protect your business equipment, inventory and even the building itself if you own it. If your business property is damaged due to a covered event, such as a burst water pipe or fire, property insurance can help with replacement costs or repairs as well as the loss of business income while you get back up and running.

commercial property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

You can save up to 25% in discounts on Zumba instructor insurance

You can pay for your insurance monthly or annually and you can cancel instantly at any time.

Basic

Lowest Price

General Liability

Per occurrence

$500,000

Workers’ Comp

Per accident

$100,000

Commercial Property

Per occurrence

$25,000

Pro

How much does Zumba insurance cost?

Zumba instructor insurance costs vary based on the risks that your business faces, such as:

The types of projects you work on
Where your projects are located
Your payroll and the kinds of jobs your employees do

Learn more about zumba instructor insurance costs and coverage.

Zumba instructor insurance requirements

Instructors are almost always required to have Zumba insurance coverage due to the risk of exercise-related injury and property damage. You might need insurance to:

Start work on a project. Gyms and clients might ask you to have active insurance — usually general liability or workers’ compensation.
Hire employees. Most states require workers’ compensation.
Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.

Frequently asked questions about business insurance

Here are some of the most common questions we get about liability insurance for Zumba instructors. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

How does business insurance protect Zumba instructors?

Our insurance packages are designed to protect your business and help you save money, whether you’re offering in-person classes or you need online Zumba class insurance. You can be protected from financial losses related to:

Damage to someone’s property

A rack of Zumba toning sticks tips over and damages the gym’s floor. The general liability coverage in your insurance package could help pay for a repair or replacement.**

Accidents that hurt someone

A client trips over your gym bag and gets hurt as they walk into Zumba class. Your general liability coverage could also come into play here by helping to pay for medical costs and legal fees.

Professional mistakes

A client claims that your Zumba class caused them to develop a knee injury. Professional liability insurance helps you defend yourself if you’re accused of making a mistake that causes someone to lose money.

Workplace injuries

You slip on a wet floor in the gym locker room and injure your shoulder. Workers’ compensation insurance with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees.

Damage to your own property

A tree falls over and damages the roof of your fitness center. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a business insurance quote online with NEXT. We’ll ask a few questions about your business — like what you do, your location, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How can I get a certificate of insurance (COI)?

Once you have a NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.

How do you file an insurance claim with NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We’ll contact you shortly to go over the details. Our support team is standing by to help.

Next Insurance, small business insurance

Coverage on-the-go for policyholders

Manage your policies, send and create certificates of insurance, or file a claim with our app.

Next Insurance App available on the App Store

Get the Next Insurance App on Google Play

More professions that are covered by NEXT

Aerobics Instructor, CrossFit Coach, Dance Instructor, Fitness Instructor, Golf Coach, Gym & Fitness Studio, Indoor Cycling Instructor, Martial Arts Instructor, Personal Trainer, Pilates Instructor, Sports Coach, Umpire, Yoga Teacher, Zumba Instructor

* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.