High-energy classes, crowded halls and licensed music – cover that includes the PPL music-licensing obligation most other fitness professionals don't have to think about.
Get public liability with professional indemnity, declare every Zumba variation and any other classes you teach, and sort out your PPL licence – ideally in one move via a membership that bundles it. The cheapest standalone policy isn't the cheapest total package if you're paying the full price for music licensing separately.