Zumba Instructor Insurance
Why do I need Zumba Instructor Insurance?
As a Zumba instructor, you feel the rhythm and the burn. Your students get in shape and keep a healthy routine to the beat of your rhythm, dancing their way to vitality. Your room itself is energy; your movements heal; your music inspires; and you make exercising fun.
Every day that you’re in the studio or teaching a class, you should feel the same peace of mind as your students. You should walk into your class with energy, then leave without a worry or concern.
That’s where Thimble’s Zumba Instructor Insurance can help.
The reality is that your practice involves physicality. Your students move quickly, keeping step in your high-energy programs. Unfortunately, every class you teach poses its own set of risks.
Say you’re introducing a new choreography to a class. Should this practice lead to a student spraining their ankle, you could be on the hook for a bodily injury claim. This can occur even if it had nothing to do with your instruction. Crazy, right?
Or, if you’re at a client’s home teaching a private class, you might not have the perfect space to use. Should this lead to an accident, where you break something inside the house, you could be liable for third-party property damage.
What happens when one of your students decides they want to become a Zumba instructor? They seek your guidance. You train them. Sadly, they don’t land the job at their dream studio. Should your client become litigious and sue you for negligence, claiming you lost them money due to the job she would’ve had otherwise, you could find yourself liable.
That’s why every Zumba instructor benefits from a general liability insurance and professional liability insurance policy. General liability insurance protects you from third-party claims of bodily injury, personal and advertising injury, and property damage. Professional liability covers you in the case of professional negligence.
Thimble’s Zumba Instructor Insurance includes both.
What does Zumba Instructor Insurance cover?
Thimble’s Zumba Instructor Insurance, which includes both general liability and professional liability, is designed to protect you from situations like the following:
Third-party, non-employee bodily injury: While you’re holding a class, should any of your movements lead to a student incurring an injury, if they filed a bodily injury claim, you could be liable.
Third-party property damage: While you’re teaching a class at a client’s home, you’re constantly moving around a makeshift area. While you’re careful not to damage any of their items, should an accident occur and you break something, then you could be on the hook for third-party property damage. The same could apply to the studios you work out of.
Defense costs: While advertising a hot new class you’re bringing to market, you take some light jabs at a competitor. Additionally, a student could suffer an injury and decide to get litigious. Should either your competitor or student file a lawsuit against you, you’d be liable for paying for your own defense team.
Errors & omissions: Clients look to you for advice. You’re an instructor. Should the advice you provide ever lead a client astray, causing them to incur a financial loss, they can claim that you were negligent in your professional services. You could be liable, even if their claim is baseless.
Business Owners Policy (BOP): With Zumba Instructor Insurance, you can get a Business Owners Policy (BOP) that conveniently bundles general liability insurance and commercial property insurance. You don’t have to sweat it if you need financial protection for multiple risks related to your business operations.
With Zumba Instructor Insurance, you get the following:
- General liability insurance: Described above, provides financial protection from claims of bodily injury, property damage, or personal and advertising injury from third parties.
- Commercial property insurance: This protects your building and the Zumba props/equipment inside or within 100 feet of the premises. For example, even though your alarm goes off during a break-in at the studio, burglars steal your speaker and break your studio mirror. Property insurance will pay for the replacement or repairs (after your deductible has been exceeded).
- Business interruption insurance: Pays for lost revenues and expenses due to your business shutting down due to direct physical loss or damage. For example, if you are unable to host classes after vandals damage the property, this coverage can help keep your finances dancing during repairs.
How much does Zumba instructor insurance cost?
The rate for Thimble’s Zumba Instructor Insurance is calculated by a few factors, all related to how much risk your business faces. Your location, crew size, coverage limits, and policy length all affect the premium.
Here at Thimble, we’re able to make insurance so affordable because you only need to pay for coverage when you’re actually working. What does this mean? Choose a policy by the hour, day, or month, tailored specifically to when class is in session. You can add as many Additional Insureds as you want (for free) and generate more COIs (also for free). Your quote that we’ll generate in less than 60 seconds? It also comes with our (for free) tag. Starting to hear the music?
Protect your Zumba business with affordable, flexible, and on-demand or monthly coverage from Thimble.
How quickly can I get a Certificate of Insurance?
Do you have a class coming up? Did you just get booked to fill in for another teacher? No problem. You can get your Certificate of Insurance (COI) in less than 60 seconds, right from your phone.
Download the Thimble mobile app or click “Get a Quote,” breeze through a few details, review your quote, click purchase, and you’ll have a COI instantly.
Additionally, you can book your insurance in advance (up to six months) and cancel penalty-free within an hour prior to when your coverage term is set to begin. Add Additional Insureds for free and download as many COIs as you want.
You choreograph incredible Zumba classes. We choreograph insurance so that each step is simple. Get your COI today and dance away your worries.
The studio I work for already carries business insurance. Do I need my own Zumba instructor insurance policy?
It’s always important that you have a policy in place that works for you. While studios use you for their classes, their policies are always going to protect them first.
And, when you’re growing your Zumba instructor business, you’re going to want your own safeguards. For instance, what happens when a lawsuit is filed against a studio yet you’re named in it? You could be liable.
Also, having your own policy reinforces your credibility. A studio is going to take your professionalism seriously when you show up to class with your own COI. Additionally, if you’re holding a class at a health and wellness event or conference, the event manager is going to want to ensure you have coverage. This also applies if you rent space at a studio.
At the end of the day, you need to be protected against third-party claims of bodily injury, personal and advertising injury, property damage, and negligence.
What are the Zumba Instructor Insurance policy limits?
Thimble’s Zumba Instructor Insurance comes in two different policy limits: $1 million and $2 million. Depending on the risk you want to be protected against, you can choose $1 million or opt in for more coverage at $2 million.
Are workplace injuries of my staff covered?
No. General liability insurance only covers injuries that occur to third parties. If you’re worried about your staff (or if you hire other teachers to help with your classes), then you should look into a workers’ compensation policy.
Does Thimble’s Zumba Instructor Insurance cover damage to my equipment?
Also no. General liability insurance doesn’t protect any of your own Zumba class equipment. It only protects against damages incurred to a third party’s property. Should you want to protect your own equipment, you might want to consider a commercial liability insurance policy.
How do I get Zumba Instructor Insurance with Thimble?
At Thimble, you can go from no coverage to protected against liability in 60 seconds. Download the Thimble app or click on “Get a Quote,” provide a few quick details about your business, enter your ZIP code, desired coverage length (hourly, monthly, daily policies available), and we’ll generate an instant quote. From there, you can click to purchase and you’ll have an COI instantly.
Still have questions?
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