Zumba instructor insurance

You are unlikely to find an insurance company who will advise you exactly on how much cover you need. It is your responsibility to take out adequate cover although our advisors can go through your options over the phone and explain how you might want to calculate this cost. Alternatively, many industry organisations or professional bodies will likely be able to offer you some advice.

Although you may work out of a shared space, you are still providing a service to the public in a professional capacity, which means that you could be liable for any advice or recommendations you give. With a professional indemnity policy in place, should this ever happen, you can make a claim, as well as seek legal advice as part of your legal expenses part of the policy.

Professionals who send out products, offer advice of some kind, or provide some services from their own home can still cause harm for which they may be liable. For this reason it’s important you don’t make an assumption that you can’t do any damage when tucked away in your own home, and that you speak with an advisor about your risks.

If you decide to take a break, retire or want to follow a different path, we recommend that you take out something that is called professional indemnity ‘run off cover’. This is a policy that offers retrospective cover, should anyone you provided a service to whilst you were leading Zumba classes, decide that they are going to make a claim against you for something that happened whilst you were previously insured and actively working.

Many of our customers can get a discount on their insurance simply by being a member of a professional association or industry body. What’s more, for many of these, we also offer profession specific policies too. This means you can get specific cover with great discounts! Speak to one of our advisors to find out how much you can save.

We have provided a summary of the key features of the policy above. For details of the terms and conditions applicable, please refer to the policy summary and policy wording, which are available during the quotation process.

A variety of payment options are available and the interest transaction charge and annual percentage rate (APR%) vary according to the amount of the premium, the number of monthly instalments and type of premium finance scheme selected. We will give you full details of the additional amount payable, instalment amounts, number of instalments and APR when you ask us for a quotation.

If you would prefer to spread the cost of your policy you have the option of setting up a direct debit to pay your premium in equal monthly instalments through our preferred provider, Premium Credit Limited (PCL).

To find out more about PCL and direct debit payments, please read our dedicated page on direct debit.

To understand more about how PCL works together with Everywhen, please read our regulatory information.