Zumba® Instructor Insurance
High-Quality Zumba Insurance for Instructors
What Is Insurance for Zumba Instructors?
Zumba instructor insurance is designed to protect you while teaching Zumba classes, coaching students, and working as an independent contractor.
If an accident occurs, insurance can pay for liability claims of bodily injury or property damage, including coverage for medical bills and legal fees — and more.
How Much Does Zumba Instructor Insurance Cost?
Zumba liability insurance from Insurance Canopy starts at just $15 a month, or you can save 13% with an annual policy for $159 a year.
Our base policy includes both general and professional liability insurance. You can also add optional coverages:
- Gear and Equipment (+$1.33-$10.67/month): Also known as Inland Marine, this coverage can insure items like speakers, mats, and resistance bands. If your items are accidentally damaged or stolen this can help you repair or replace them.
- Cyber Liability (+$8.25/month): If you take electronic payments, teach virtual classes, or run your business online, this coverage can help you and your clients recover from a cyber attack.
- Sexual Abuse and Molestation (SAM) Coverage (+$10.33-$14.46/month): This coverage helps with defense costs if you’re wrongly accused of sexual harassment or improper conduct.
- Diet and Nutrition (+$6.83/month): If you offer wellness advice as part of your services, such as meal plan suggestions or nutritional guidance, this coverage can help cover injuries or damages caused by your professional diet and nutrition advice.
- Sexual Abuse & Molestation (SAM) Insurance (+$10.33/month):
This coverage provides protection for your business and reputation in the event your instructions are misinterpreted and you’re accused of sexual misconduct.
Full-time, part-time, and student instructors can all be covered by our policy for the same low price. No matter how often you teach or how many locations you teach at, we won’t raise the cost of your insurance.
Do Zumba Instructors Need Insurance?
Yes, all Zumba instructors need insurance. Many health and fitness centers require proof of insurance, and some studios include it in rental contracts.
Our policy is designed to meet or exceed most Zumba insurance requirements to open the door to new teaching opportunities for you.
Peace of Mind With Top-Rated Zumba Insurance for Instructors
Insurance Canopy offers all-in-one liability insurance for Zumba instructors for as low as 44 cents a day! All of our fitness instructor insurance policies can also be customized with add-ons to protect your equipment, add additional insureds, or increase your limits, right from your dashboard.
Instant Coverage
Purchase a policy online in minutes and get your Certificate of Insurance (COI) instantly.
Occurrence Form Policy
File a claim time anytime for accidents occurring during your policy period.*
Nationwide Coverage**
Online, on-site, or on the go, you’re covered in most locations from coast to coast.
Plus, your Zumba instructor insurance policy comes with valuable benefits to help power up your business. No extra costs — just real perks tailored for your success!
*All customers who purchased a policy before 7/1/2024 will have a policy issued through Great American Insurance. This policy does not include occurrence form coverage and will be eligible to receive it after 7/1/2025.
**Not currently available for sale in Missouri.
Get Zumba Liability Insurance Today
Zumba instructor insurance from Insurance Canopy offers you much-needed protection at a price your wallet will love.
Why Choose Insurance Canopy for Zumba Instructor Insurance?
We Have A (Nearly) 5 Star Rating
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Thank you so much
Steve Monreal
July 11, 2025I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie Calaway
July 4, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025 -
I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025Very easy to renew policy
Elyce Nissinoff
June 18, 2025Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025 -
Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025 -
What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More
Gretje Angell
June 18, 2025Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David Fox
May 18, 2025 -
They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 18, 2025everything is excellent
Radames Martinez
May 18, 2025Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!
Ishan Arvin
May 18, 2025 -
Affordable for dance & yoga folk. Thumbs up!
Maia Claire
May 18, 2025Affordable. Thank you.
Ana Young
April 18, 2025For me, this application process was super efficient and easy to navigate on line. That goes a long way!
Holly Mulder
April 18, 2025 -
I'm a new customer/policy holder. Super easy online application and policy setup. Very competitive rates. Certificate of insurance generated and received (PDF) immediately once method of payment established. Great service... Read More
Matthew Terry
April 18, 2025Canopy insurance has covered my DJ business for several years and I am totally satisfied with their services. Thank you DjVic🎧
DjVic Universal Sounds
March 18, 2025I have not had any issues over the years with Insurance Canopy, with canceling and renewing, I have found the cost of coverage in line or better then some. I have... Read More
John Corkins
March 18, 2025 -
I was feeling overwhelmed with the specifications needed for my insurance coverage. I was offered friendly, quick and clear assistance. Through Canopy and Rey's help I was able to obtain... Read More
ESPIE QUINTERO
February 18, 2025Great for Event Insurance - most affordable
Gaby Nobrega
February 18, 2025I have them for 3 years this year seems price went up . I have never had to use them for a claim so really couldn’t tell you about that!
Denice Lapointe
February 18, 2025 -
TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.
February 4, 2025Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed Levitt
February 3, 2025As a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More
Kristie Williams
January 30, 2025 -
This insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.
Tony Felix
January 23, 2025Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John B
January 16, 2025Was waiting for two other insurance companies to get back to me for over 2 1/2 weeks and losing money every day. Sitting here, frustrated I asked ChatGPT what... Read More
Chad Laibly
January 6, 2025
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Thank you so much
Steve Monreal
July 11, 2025 -
I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie Calaway
July 4, 2025 -
Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025 -
I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025 -
Very easy to renew policy
Elyce Nissinoff
June 18, 2025 -
Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025 -
Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025 -
Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025 -
Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025 -
What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025
Coverage Details
General & Professional Liability Limits
The most your policy can pay annually for bodily injury and property damage claims occurring during your coverage as a result of your business operations or professional services. For example, someone slips in your studio or is injured during a workout you were leading.
$3,000,000
The maximum amount your policy will pay annually for claims of bodily injury or property damage due to an incident that occurred with a product during or after your class, such as a faulty piece of equipment injuring a client.
$3,000,000
The amount your policy will pay for claims arising out of one or more of the following offenses:
– False Arrest, detention or imprisonment
– Malicious prosecution
– Wrongful Eviction or Wrongful Entry
– Oral or written publications that slander or libels a person or organization
– Oral or written publication or material that violates a person’s right of privacy
– The use of another’s advertising idea in your advertisement
Included
The maximum the insurance carrier will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business and professional services.
$2,000,000
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$300,000
A no-fault medical policy that allows you to cover medical or funeral expenses for an individual up to the issued limit without deducting from the general liability aggregate limit. The injury or death must be as a result of a bodily injury caused by business operations.
$5,000
The amount we deduct from a claim before paying up to your policy limits.
$0
Optional Add-Ons
Also known as “inland marine,” it covers property that is movable or transportable in nature (e.g. supplies, equipment, or inventory) but excludes coverage for structures and items that are a permanent part of the structure. There are multiple tiers of coverage to choose from, starting at $1.33/month with a $100 deductible per claim.
$1.33 – $10.67/month
$8.25/month
Coverage for additional services you offer clients, such as diet guidelines, meal plans, or the sale/recommendation of health supplements. These services are not covered by professional liability and require Diet & Nutrition Coverage.
$6.83/month
Coverage for a third party, such as a business, property owner, event organizer, or employer who could be named in a claim arising from your business operations. It cannot be used for employees, friends or family, other trainers, yourself, or other businesses you may own. Add one additional insured for $15, or choose unlimited additional insureds for $30.
$15–$30/year
Coverage for defense costs if you’re wrongly accused of sexual harassment or improper conduct.
$10.33 – $14.46/month
FAQs About Zumba Teacher Insurance
How Do I Get Zumba Instructor Insurance?
- Start the online application by selecting “Other” and typing “Zumba” in the box that appears
- Fill out your business information
- Select your coverage options
- Submit your payment information and receive your instant Certificate of Insurance!
What Insurance Do I Need as a Zumba Instructor?
At minimum, you need both general liability and professional liability insurance for things like injuries to students, perceived or real injuries to students as a result of your instruction, damage to facilities, and more.
Additional coverages that are helpful but not usually required by employers:
- Gear and equipment coverage
- Cyber liability insurance
- Diet and nutrition coverage
What Factors Affect the Cost of Zumba Instructor Insurance?
- Geographic location and local regulations
- Teaching locations
- Size of your business
- Claims history and/or coverage limits (the higher limits on your policy, the higher your premium payments)
While many companies will adjust your rate based on these factors, Insurance Canopy does not adjust your rate based on your location, the number of places you teach, or the size of your business!
How Can I Find the Best Insurance Provider for Zumba Instructors?
To find the best Zumba insurance, look for plans that fit your needs, read reviews, compare prices, and know your budget.
Insurance Canopy offers both general and professional liability insurance in one, with pick-and-choose additional coverages so you can tailor your policy to you.
Still have questions regarding insurance for Zumba instructors? Feel free to reach out to our licensed insurance agents. We are available Monday through Friday from 8 am–8 pm ET. You can also chat with us, send us an email, or give us a call. We are happy to help!
Phone: 844.520.6993
Email: info@insurancecanopy.com
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