Zumba instructor insurance

Specialist Zumba instructor insurance to cover your classes from as little as £5 a month

  • Fast, easy online quote in 90 seconds

  • 24hr legal advice helpline and legal hub

  • No hidden fees or cancellation charges

Our Zumba instructor insurance provides expert cover, so you can keep teaching and dancing with peace of mind.

What is Zumba instructor insurance?

We know that you want to focus on teaching energetic Zumba classes without worrying about the risks you and your business could face. Our Zumba instructor insurance gives you peace of mind you'll be covered in the event you make a mistake or cause injury to a client.

With over 25 years of experience as a specialist insurance company, we have first class knowledge of the factors that could affect your business. Our Zumba instructors insurance offers you comprehensive cover for your needs.

Why do Zumba instructors need insurance?

As a fitness professional who teaches clients, you need to protect yourself against the costs and compensation that could be incurred should a worst-case scenario occur. Whether that is a claim of professional negligence, accidents and injuries to you or a client, or even damage or theft of your equipment.

We know how important your professional reputation is. That's why our insurance for Zumba instructors provides you with a range of cover levels so your policy can be tailored to your individual requirements. This ensures your hard work and dedication to your business is protected, whatever may happen.

What does Zumba instructor insurance cover?

Our Zumba instructor insurance will provide you with comprehensive cover to protect you and your business should an incident occur. This includes:

  • Accidents and injuries – for example, if one of your clients injures themselves during one of your classes and then makes a personal injury claim against you.
  • Professional negligence – for example, if a client alleges that you have provided inadequate teaching or instruction and takes legal action against you to recoup their costs.
  • Damage caused to a hired premises – including if damage is caused to a hired studio or equipment, whether it be by a client or yourself

How to arrange insurance for Zumba instructors

Insuring your business with Markel couldn’t be easier. Just answer a few questions online about you and your business to receive a quote in minutes.

If you choose to take out cover with us, you'll then receive your policy documents. This includes proof of insurance, which is important to prove to your clients that you are insured.

You’ll be able to tailor your cover online to suit your business’ requirements.

How much it will cost

You can insure your Zumba instructor business with Markel from as little as £5 a month.

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Cover starting at just £5 a month

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  • Public liability and professional indemnity insurance

    Public liability and professional indemnity insurance offers comprehensive protection against the cost of defending your dance business against allegations of professional negligence (such as giving incorrect instruction to a student) and if unsuccessful, the cost of damages awarded against you.

    In addition, it covers the cost of defending your business (including damages awarded against you if unsuccessful) if someone is injured, or their property damaged, which arises from you going about your business. Examples of claims include:

    • You instruct a student how to perform a Zumba dance move, but they fall awkwardly while trying to perform it and hurt themselves, as well as another attendee. They take legal action against you, alleging you did not explain how to perform the move safely.

    This cover is generally considered essential for Zumba instructors, particularly those renting a community hall or gym studio to carry out their sessions. Limits range from £1m to £5m.

  • Employer's liability insurance

    Employer’s liability insurance is a legal requirement if your business has employees. It covers your business against claims for injury or illness suffered by employees arising from their employment.

    An example of a claim would be:

    • An employee trips over a cable leading to a sound system and injures themselves. They are unable to work as a result and take legal action against you for the injury suffered.

    If you have any employees, even on a part time basis, you need this cover. Cover for £10m.

  • Legal expenses insurance

    Legal expenses insurance pays your legal costs and expenses for contract disputes, tax enquiries (including IR35), attending jury service, debt recovery, personal injury, as well as any award you are required to pay following an employment dispute with an employee. Limit of £100,000.

  • Directors and officers insurance

    Directors and officers insurance covers the costs of defending you as a director or officer of your company against allegations of wrongful acts and any damages subsequently awarded against you. Cover is also provided in respect of the legal costs and expenses of defending actions for disqualification as a director, investigations and extradition proceedings. Limits range from £100,000 to £5m.

  • Office insurance

    Office insurance covers your office buildings, office contents and computer equipment against accidental damage (including theft) whilst on your business premises. Sounds systems, laptops and mobiles phones can all be at risk during sessions and it's worth considering covering these items if you use them for your business. You can also choose to cover your business equipment on a worldwide basis, and insure your business against loss of income and/or additional trading expenses following events such as damage to a property.

  • Occupational personal accident

    Occupational personal accident insurance provides a weekly payment if you are unable to work due to temporary total disablement (subject to a 14 day deferment period).

    In the event of loss of limbs, sight, speech, hearing, permanent total disablement or death, a lump sum would be paid out.

    Due to the physical nature of the work, many dance teachers experience injuries in the course of their profession, and occupational personal accident insurance can help you maintain an income if you were unable to work following an occupational accident.

  • Cyber and data risks insurance

    Cyber and data risks insurance pays the costs of restoring data and equipment, informing clients, meeting ransom demands and loss of your net profit following a cyber attack. It also pays your legal defence costs and damages you are legally liable to pay to other parties. If you hold confidential information about your students, their progress and the classes they take on computers and other internet connected devices, you should give consideration to this cover.

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Cover starting at just £5 a month

Frequently asked questions

  • Am I covered to work with clients remotely?

    Yes. Markel's insurance for Zumba instructors includes cover for remote working, including the use of audio and video services such as Skype and Zoom. However, this policy does not provide cover for pre-recorded videos uploaded to any social media platform, including YouTube. Sessions must be conducted live and to your clients only.

    Many customers have already begun working remotely to adapt their business during the COVID-19 pandemic. You do not need to contact us to include this in your policy, it's already covered.

  • Does my Zumba studio need insurance?

    If you own a studio, you should consider taking out buildings and contents insurance to protect against damage and disasters, such as fire or flooding. If you hire a studio, you should check with your landlord what insurance you are required to hold.

  • What's the difference between professional indemnity and public liability?

    Professional indemnity insurance covers against allegations of professional negligence - which means it would cover you if you were to make an error or mistake in a piece of work (such as a project or report) for a client.

    Public liability insurance covers against allegations of injury or illness caused to third parties by your negligence. This includes many of the slips, trips and falls that are associated with personal injury claims. In addition, public liability insurance covers against damage to third party property - for example, if you were to damage a client-owned laptop or smartphone.

    As they insure against different scenarios, it's important you consider arranging both types of cover to ensure you are properly protected.

  • I teach lessons at different venues - is this covered?

    Yes. Regardless of where you teach - for example, at dance studios, village halls and gyms - you'll be covered under our policy.

  • What limit of cover should I choose?

    Many clients and industry bodies with regulatory requirements will require you to have a minimum level of cover in order for you to undertake a contract, so it's worth checking this before you arrange cover. If you're unsure, or it's the first time you have arranged cover, give some thought to a worst-case scenario and the likely costs involved in putting your mistake right. We offer a range of limits on insurance for photographers, so you're sure to find the right cover for your business.

  • Why should I choose Markel's insurance?

    Markel has over 25 years of experience insuring contractors, consultants and self-employed professionals. We insure over 200,000 micro businesses and are highly rated by our customers on Feefo.com.

    To talk about your insurance requirements and better understand our cover, call us on 0800 640 6600 or get a quick quote online.

  • How are Markel regulated?

    Markel is regulated by the Financial Conduct Authority and Prudential Regulation Authority – details of which you’ll find on the Financial Services Register.

Expect more from your insurer.

When you take out cover with Markel, you receive these exclusive services as standard

24 hour legal helpline  24 hour legal advice helpline manned by qualified solicitors

  Access to our fee dispute service to assist with unpaid invoices

  A cyber response helpline for help in the event of a cyber attack (included with cyber and data risk insurance)

Legal hub access  Legal templates and resources with the Markel Law Hub

  Expert management of public relations crises with The Counsel House

Discover more about these services.

Cover starting at just £5 a month