Drama teacher and performing arts insurance

Public liability and professional indemnity insurance offers comprehensive protection against the cost of defending your business against allegations of professional negligence 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 movement on stage, but they fall awkwardly and injure themselves. They take legal action against you, alleging you did not explain how to perform safely.
• A parent alleges favouritism of other students and withdraws their child from your performing arts classes. They take legal action against you to recoup their loss.

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

Commercial legal expenses 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 for the legal costs and expenses of defending actions for disqualification as a director, investigations and extradition proceedings. Limits range from £100,000 to £5m.

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 covers your office buildings, office contents and computer equipment against accidental damage (including theft) whilst on your business premises. If you use laptops or sound systems during lessons, you should give consideration to this cover. 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 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.

If you would struggle to maintain an income if you were unable to work following an accident while working as a drama and performing arts tutor, you should consider taking out this cover.

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 clients on computers and other internet connected devices, you should consider this cover.