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Zumba Instructor Insurance

Keep dancing to the beat, knowing you’re covered as a Zumba instructor for public liability and professional indemnity insurance. At Marsh, we arrange a competitively priced insurance package that’s been designed to meet the risk needs of Australian fitness professionals.

Insurance for Zumba Instructors

Standard cover* 

✔ $10 million Public Liability cover 

✔ $10 million Product Liability 

✔ $10 million Professional Indemnity cover 

✔ Coverage Australia wide

✔ Tailored cover for the fitness industry

Plus cover*

✔ $20 million Public Liability cover 

✔ $20 million Product Liability 

✔ $10 million Professional Indemnity cover 

✔ Coverage Australia wide

✔ Tailored cover for the fitness industry

*Subject to the terms, conditions and exclusions of the policy

What Insurance should Zumba Instructors consider?

Most Zumba instructors find enjoyment out of helping their clients have fun with high-intensity rhythm, moves and dance-fitness. However, even the most experienced instructors are not immune to accidents and without the right insurance cover, they could unintentionally impact the future of their business.

Professional Indemnity Insurance

We highly recommend all Zumba instructors consider professional indemnity insurance. This cover can prove helpful if an instructor were to ever provide instruction to complete a specific dance move that caused unintended injury to one of the students. Professional indemnity insurance can provide cover for Zumba instructors and their business if someone – client or third party - suffers a loss, injury or property damage after following the instructor’s advice or receiving their service.

Public Liability Insurance 

Public liability insurance can help protect Zumba instructors against financial losses if a third party claims that they’ve sustained an injury or their property was damaged due to your negligent business activities.  Even when you are not at fault, you can still incur significant legal costs when defending yourself.

A copy of your public liability policy is often requested by gyms, studios or other public venues, including parks, when seeking use of their facility for a Zumba class.

Hypothetical Zumba Instructor claims example

During a fast-paced jump movement in a Zumba workout, a student sprains her ankle. She claims that the dance move requested was too advanced and resulted in her subsequent injury. This allegation, whether founded or unfounded may result in a negative financial impact on the Zumba instructing business due to the potential legal or medical expenses attached to the claim.

Whether this is your full-time small business, or part-time gig, don’t let examples like this stop you from doing something you enjoy. Zumba instructor insurance can help minimise these risks by covering you and your business against public liability and professional indemnity claims.

Policy wording and important information

The information provided on this page is a summary only, please read the policy wording and important notices.





Coverage options for your Zumba Dance Studio 

Marsh also arranges studio insurance for Zumba Instructors to help cover your property from damage or property content theft. 

Give our team a call on 1300 130 373 or complete our online contact form, and one of our dedicated brokers will reach out to arrange a tailored insurance quote for your Zumba dance studio.

Learn more

Additional Fitness professionals we service

Please Note: the combined liability insurance is underwritten by XL Insurance Company SE, Australia branch. Marsh Advantage Insurance acts under a binding authority on behalf of XL Insurance Company SE, Australia branch in binding the insurance policy and not on your behalf.

The hypothetical case study above is for illustrative purposes only and should not be relied upon as governing any specific facts or circumstances. All policy terms, conditions, limits, and exclusions are subject to individual underwriting review and are subject to change. Marsh cannot provide any assurance that insurance can be obtained for any particular client or for any particular risk.

LCPA 21/171

Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238369) (“MAI”) arrange this insurance and is not the insurer. The Discretionary Trust Arrangement is issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417964) (“JGS”). JGS is part of the Marsh group of companies. Any advice in relation to the Discretionary Trust Arrangement is provided by JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226 827) which is a related entity of MAI. The cover provided by the Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions. This website contains general information, does not take into account your individual objectives, financial situation or needs and may not suit your personal circumstances. For full details of the terms, conditions and limitations of the covers and before making any decision about whether to acquire a product, refer to the specific policy wordings and/or Product Disclosure Statements available from Marsh Advantage Insurance on request.