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Who needs Zumba® instructors insurance?
Instructors who teach groups or individuals in basic, intermediate and advanced levels of dance classes related to Zumba should have professional and general liability insurance. Problems can arise when working with clients who slip and fall at your Zumba studio or otherwise feel damaged by your instructing services. Obtaining small business insurance is a great way to protect yourself while continuing to provide fitness services to clients. This is especially true for Zumba instructors who work privately or own a Zumba studio.
Examples of other health and fitness professions we insure
Insurance policies available for Zumba instructors
For the majority of Zumba instructors, there are two types of insurance policies worth considering. Each type provides its own unique aspects of protection to help you run your fitness business smoothly.
Professional liability insurance for Zumba® instructors
Professional liability insurance, also called errors and omissions insurance, provides a number of benefits to small business owners. Insurance coverage includes negligence and personal injury, including defense costs, and claims against services that were rendered in the past. Although events including fraudulent acts and property damage aren't typically covered by professional liability insurance, this type of policy is important for those who regularly provide professional services or advise clients, such as Zumba instructors.
A professional liability insurance policy could provide protection for you in a situation like this: A Zumba instructor asks all participants prior to the start of class if anyone has any physical limitation that would require modification of the exercises. After one class, a new participant approaches the instructor and says that they didn’t want to speak out in front of the whole class, but that they had had a knee replacement a few weeks prior. The instructor told the participant to see their doctor for approval before attending any more classes. Several weeks later, the instructor received a notice saying they were being sued by the participant because the class had damaged the newly-repaired knee. A professional liability policy could protect the instructor, including providing an attorney to defend them if necessary.
When a client reacts negatively to your services as a Zumba instructor or otherwise feels as if they have been damaged in some way, getting sued is always a possibility. Potential problems can come in a number of different forms, such as bodily harm, negligence and other types of claims. You can protect yourself by getting professional liability insurance—a crucial tool for providing peace of mind to business owners and professionals.
General liability insurance for Zumba instructors
Zumba® instructors can benefit from having professional liability insurance, but there are certain scenarios that are not typically covered under this type of policy. General liability—also called commercial general liability (CGL)—covers instructors against claims of property damage or bodily injury, as well as any associated medical costs.
For example, if a client comes to a Zumba class held in your dance studio and slips and falls due to some water residue left by water bottle, a general liability policy could cover the costs of injury and loss wages.
Learn more about general liability insurance costs.
Why do Zumba instructors choose Hiscox?
At Hiscox, we understand just how much work goes into being a Zumba instructor. Whether you've opened your own fitness studio or are working in a different capacity, we can help you grow your career by reducing risk with our insurance policies, allowing you to focus on what really matters: providing top-notch instruction to your clients.
Here are five reasons why Zumba instructors choose Hiscox above other providers for general and professional liability insurance:
- Flexible payment options: We offer you the option of making monthly payments (with no additional fees) to help you manage your cash flow.
- Tailored insurance: We specialize in businesses like yours and tailor coverage to the risks in your field.
- Claims responsiveness: When a covered claim is reported, Hiscox will immediately assign a dedicated claims representative to assist you.
- Worldwide coverage: A Zumba instructor's business insured through Hiscox is covered for work done anywhere in the world, as long as the claim is filed in the U.S., a U.S. Territory or Canada.
- Passion for service: Agents knowledgeable about your business concerns will provide you with excellent service—4.7/5 people surveyed recommended us.
Hiscox Customer Reviews
Karin, Kansas City, Missouri
“2 thumbs up”
Efficient and painless application process. Excellent customer support. Rapid turn -around on response.
Angela, Raleigh, NC
The agent who helped me determine my needs was professional, patient and kind.
James, Alexandria, VA
“Hiscox is doing a good job.”
Hiscox has an easy to use system with clear pricing and straightforward instructions for how to follow up with a live person to answer any questions, and the prices are very competitive. My only objection is that there is limited ability to review or manage an existing policy through the online interface. Generally, the online management is a matter of submitting transactions and waiting for responses – which come quickly, but it’s less fluid than having a login model where policies can be reviewed at a glance.
Denis, Las Vegas, NV
“Affordable coverage and easy, too!”
Fast and easy to use. I had a Hiscox policy before and I enjoyed using their services. Their customer service is excellent and helpful.
Yatin, New Jersey
“Quick and Easy Online Quotes”
Excellent quick online service. Great rates.
This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Coverages are subject to underwriting and may not be available in all states.