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Zumba Instructor Insurance

Business insurance that works when you do.

Get an hourly, daily, or monthly insurance policy in 60 seconds.

Zumba instructor insurance, simplified.

Why do I need a Zumba instructor insurance policy?

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.


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?

Get a Quote

Protect your Zumba business with affordable, flexible, and on-demand or monthly coverage from Thimble. Get your free Zumba instructor insurance quote now.


What is covered under the Zumba Instructor Liability Insurance policy?

Thimble’s Zumba Instructor Insurance, which includes both general liability and professional liability, is designed to protect you from situations like the following:

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.

3rd 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.

Medical coverage

Many of your students want some more guidance with their movements. Should you direct them to move in a way that causes an injury, you could be liable for their medical bills.

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.


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 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.

Get your Zumba instructor insurance quote now.

Have questions? Visit our FAQ

Fitness insurance protects your business from lawsuits, if you or your property accidentally hurts a third party or damages their property.

  • Bodily Injury
  • Property Damage
  • Legal Defense
  • Medical Payments

Covered Activities

  • Aerobics Instructors
  • Dance Instructors
  • Fitness Instructors
  • Golf Instructors
  • Martial Arts Instructors
  • Personal Trainers
  • Spin Instructors
  • Swim Instructors
  • Tai Chi Instructors
  • Yoga Instructors

Excluded Activities

  • Occupational Therapists
  • Physical Therapists

What's Not Covered by Your Policy

  • Activities Involving Firearms
  • Performing Work over Three Stories in Height (30 feet)
  • Work on 10 or More New Homes or New Residential Units in Any One Project or Development
  • See full policy for details

With Thimble, get a policy in seconds so you can take on whatever’s next.

Policies start at just
$5
"As a new business owner, Thimble made sure I got a policy that accommodated my actual needs, rather than overselling me with a bunch of bells and whistles."
Kgoody, Thimble Customer

We make business
insurance simple.

Flexible Coverage

Buy Thimble On Demand by the hour, day, or week, or get Thimble Monthly to keep the clock running.

Instant Certificates

Get an Acord 25 Certificate of Insurance in your inbox (and your client's) in less than 60 seconds.
  • New Crew Member
  • Policy Extended
  • Additional Insured

Full Control

Add crew and Additional Insureds instantly. Cancel or modify your policy, anytime, for free.
weight for zumba insurance

The information provided is intended to be a description of coverages only. There is not guarantee of coverage. If there is a conflict between the description contained herein and the insurance policy contract, the terms of the policy shall control.

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