Zumba instructor insurance

Public liability insurance

In case your business and products cause an injury or property damage.

What’s typically covered by zumba instructor public liability insurance?

Claims against your business for:

• damage to someone’s property, caused by your business activities
• illness or injuries as a result of your business
• employees causing accidental damage or injuries

For example:

• while hosting a meeting, you leave a cable running across the open office floor and your client trips, spraining their ankle
• you serve a client sandwiches with a trace of sesame seeds, causing an allergic reaction
• your employee drops heavy equipment on your client’s floor, causing extensive damage

**If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.**

Read more about public liability insurance

Employers’ liability insurance

In case anyone gets ill or injured while working for your business.

What’s typically covered by employers’ liability insurance?

Claims against your business for:

• an injury that happens as a result of working for you (including temps and casual workers)
• an employee, including a contractor or casual labourer, suing you after falling ill because of working for you

**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:

• your employee injures their lower back while moving furniture at your premises and holds you responsible
• an employee cuts their hand on a damaged countertop and sues you for operating an unsafe workspace
• a member of staff trips over while unloading business equipment, injuring their knee

Contents insurance

In case something happens to your fixtures, fittings, or operational equipment.

What’s typically covered by business equipment insurance?

Claims against your business for:

• accidental damage or destruction caused by flood, fire, theft, or vandalism
• cover for your contents, up to the insurance level you’ve selected

For example:

• your bespoke wooden display units and decorative items are damaged by flooding, and need restoring or replacing
• a fire causes serious damage to your premises, and you need to replace all your office furniture
• someone breaks into your business premises and steals the office printer

Read more about business equipment insurance

Business legal insurance

In case you’re hit with legal expenses connected to your business.

What’s typically covered by business legal insurance?

Claims against your business for:

• a dispute relating to debt recovery, including judgement enforcements
• an investigation into your tax affairs
• someone using your company’s identity illegally

For example:

• one of your clients has informed you that they believe you haven’t met the contractual requirements of their purchase agreement, and they’re refusing to pay an outstanding invoice
• HMRC investigates your recent tax return, triggered by a fluctuation in your business income
• someone gets hold of your company bank details and uses them to buy goods and services

Read more about business legal insurance

Personal accident insurance

In case anyone you’ve covered is accidentally injured, at work or off-duty.

What’s typically covered by personal accident insurance?

Claims against your business for:

• accidental injury or death of anyone you’ve chosen to cover in your policy – whether this happens at work or elsewhere
• medical costs, lost income, and hospitalisation benefit

For example:

• your business partner, who’s named on the policy, is injured while ice skating and left permanently disabled
• you fall down some stairs at home and lose the use of your right arm
• an employee you’ve covered is playing squash at the weekend and hits their head on the wall, causing concussion and a hospital stay

Read more about personal accident insurance

Stock insurance

In case something happens to your products and consumables.

What’s typically covered by stock insurance?

Claims against your business for:

• damage to (and loss of) stock, following fires, floods, or vandalism
• theft of stock following a break-in
• costs involved with replacing the stock you need to operate

For example :

• someone forces entry to your business premises and steals from your stockroom
• an important stock order falls from the back of your van and is never recovered
• you’ve taken a stock delivery, which is stolen while you’re speaking to a neighbour

Read more about stock insurance

Tool insurance

In case your tools are lost, stolen or damaged.

What’s typically covered by tool insurance?

Claims against your business for:

• accidental damage to your equipment
• theft of the tools you use for your business
• loss of your business equipment

For example:

• your tools are stolen from your car or van
• you lose some expensive equipment on the way to a job
• a flood causes irreparable damage to your tools

Read more about tool insurance

Buildings insurance

In case something happens to your business premises.

What’s typically covered by business building insurance?

Claims against your business for:

• the cost of structural repair (or rebuilding from scratch) following damage to your building
• damage to fixtures and fittings
• underground pipes and cables that you’re responsible for

For example:

• someone vandalises your shop with graffiti, which you need removing ASAP
• your shop’s non-slip rubber flooring gets damaged during a refurb and needs replacing
• a non-supporting wall in your building has been damaged and needs replacing

Read more about business buildings insurance

Excess insurance

In case you need to make a claim on your insurance policy.

What’s typically covered by excess insurance?

Claims made by you for:

• when you make a claim on a cover included in your business insurance policy, you won’t need to pay excess

For example :

• after a heavy storm you need to make a claim on your building cover – you don’t have to pay the £250 excess thanks to your excess insurance
• a leak in the bathroom causes a guest to slip and injure themselves and thanks to excess cover, there’s no excess to pay on the claim
• a tenant’s suitcase scratches the wooden flooring in your hallway – you won’t have to pay any excess on your accidental damage claim