Dance Studio Insurance offers Zumba insurance for teachers and supervisors of Zumba activities. You must be over 18 years of age, and based in the U.S.
What coverage do I need?
Instructors need Zumba liability insurance. This means that the insurance will pay for qualifying claims when a student/participant injures him/herself.
The insurance policy of the studios you teach at may cover contractors on 1099s. Check with your studio to see if you are covered under their policy.
Sometimes your agreement with the facilities you work for will specify coverage limits they require. Higher liability limits are available.
Some instructors purchase optional Sexual Abuse and Molestation coverage because they are concerned about accusations due to the nature of the teacher-participant relations or contact.
How much does it cost?
We offer inexpensive Zumba instructor insurance. Policies have no deductible, so even claims are affordable. Our Liability coverage is comprehensive, and we offer add-ons to tailor policy costs to your needs.
When you apply:
On the first page of the application, you will be asked what type of instructor you are. Choose Exercise & Fitness/Personal Training, not Dance/Yoga/Aerobics.
Also, the application will ask you if you are certified, and what your certification number is. Since Zumba Instructor certification is via a license, there is no number associated. So, when prompted to enter your certification number, simply enter 12345.
Q: If I teach Zumba dance classes out of my house, will those classes be covered under this insurance?
A: No. The insurance you would need for those classes is the Dance Studio Insurance (link to Dance Studio Insurance page).
Q: If I have a substitute/partner/helper, will this policy cover them too?
A: No. They will need to purchase their own Zumba Instructor Insurance.