Drama teacher insurance

Specialist cover for drama teachers and singing coaches from £5 a month*

  • Fast, easy online quote in 90 seconds

  • Interest free direct debit

  • No hidden fees or cancellation charges

With over 25 years experience as a specialist insurer, we have designed our insurance for drama teachers to cover a wide range of risks facing the performing arts industry.

In today's litigious society, claims can arise from many different sources. An allegation of sub-standard teaching, a student injuring themsleves during a rehearsal or damage caused to a premises you hire for lessons could see a claim brought against you for thousands of pounds.

Our specialist cover has been designed to cover against a multitude of risks facing drama teachers and performing arts tutors, giving you the peace of mind that if something unexpected were to happen, you would be covered.

Our quick and easy quote form enables you to build your policy around your needs - so you will only ever pay for the cover you choose. Get an online quote in 90 seconds now!

*Price based on a drama teacher requiring occupational personal accident insurance with £25,000 of cover for permanent total disablement and £100 a week cover for temporary total disablement.

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Cover starting at £5 a month

Tailor your drama teacher insurance with these covers

  • Public liability and professional indemnity 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.

    Limits range from £1m to £5m.

  • Employer's liability insurance

    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.

  • Legal expenses insurance

    Legal expenses insurance pays your legal costs and expenses for contract disputes, tax enquiries (including IR35), attending jury service, debt recovery, personal injury, as well as any award you are required to pay following an employment dispute with an employee. There is a limit of £100,000.

    If a client takes legal action against you because of an error you have made, this cover can prevent you from needing to use your own finances to cover legal expenses.

  • Directors and officers insurance

    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

    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

    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

    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.

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Frequently asked questions

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Cover starting at £5 a month

Frequently asked questions

  • What's the difference between professional indemnity and public liability?

    Professional indemnity insurance covers against allegations of professional negligence - which means it would cover you if you were to make an error or mistake in a piece of work (such as a project or report) for a client.

    Public liability insurance covers against allegations of injury or illness caused to third parties by your negligence. This includes many of the slips, trips and falls that are associated with personal injury claims. In addition, public liability insurance covers against damage to third party property - for example, if you were to damage a client-owned laptop or smartphone.

    As they insure against different scenarios, it's important you consider arranging both types of cover to ensure you are properly protected.

  • I teach lessons at different venues - is this covered?

    Yes. Regardless of where you teach - for example, a drama studio, community centre or village hall - you'll be covered under our policy.

  • Does the policy cover performances or shows?

    Yes - we are able to cover performances (such as end of term shows or performances for the community) provided there are less than 500 attendees. However, we are unable to provide cover for dance competitions.

  • What limit of cover should I choose?

    Many clients and industry bodies with regulatory requirements will require you to have a minimum level of cover in order for you to undertake a contract, so it's worth checking this before you arrange cover. If you're unsure, or it's the first time you have arranged cover, give some thought to a worst-case scenario and the likely costs involved in putting your mistake right. We offer a range of limits on insurance, so you're sure to find the right cover for your business.

  • Why should I choose Markel’s insurance?

    Markel has over 25 years of experience insuring contractors, consultants and self-employed professionals. We insure over 200,000 micro businesses and are highly rated by our customers at Feefo.com.

    We are a division of Markel International, a Lloyd’s and London market insurer that wrote gross premium totals of £1.09bn in 2020.

    To talk about your insurance requirements and better understand our cover, call us on 0800 640 6600 or get a quick quote online.

  • How are Markel regulated?

    Markel International Insurance Company Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Find out more on the Financial Services Register.

Access these useful services by insuring with Markel

Insuring with Markel not only provides comprehensive cover for your drama and performing arts teaching business - you'll also receive access to a range of business services designed to make your life easier (included as standard with certain covers).

24 hour legal helpline  24 hour legal advice helpline

When you insure with Markel, you'll benefit from 24/7 telephone access to a qualified solicitor at no additional cost. Expert legal advice can be costly when you're working for yourself and it's difficult to know who to turn to for a trustworthy answer. Whether it's a question on health and safety, employment law, legal structures for your business or how to handle a difficult client, an experienced team of solicitors are on hand day and night to help you with any business-related legal queries. Included as standard with all policies.

Legal hub access Markel Law Hub access

In addition to our 24 hour legal helpline, you'll have access to the Markel Law Hub - an award winning online resource of legal and business guides, templates and content written and created by our team of expert solicitors. Instantly download ready-made contracts, policies, procedures and guidance you can use for your business - without paying any expensive legal fees. Included as standard with all policies.

  Fee dispute service

Chasing fees and invoices costs time and money, which is why we offer access to a unique fee dispute helpline operated by one of the UK's leading law firms, who will provide specialist legal guidance and support on fee dispute issues. Included as standard with public liability and professional indemnity insurance.

  Public relations crisis management service

In today's 24 hour news culture, public relations disasters can occur at any time - particularly for those teaching drama or performing arts to children. Having to deal with the press whilst managing a difficult situation can be hugely stressful as well as being a potential minefield. When there is a risk to your business as a result of negative press attention, our specialist public relations crisis management firm, The Counsel House, will work with you to help manage allegations of fraud, injury caused to employees or the public, and official investigations into your company's affairs. Included as standard with public liability and professional indemnity insurance, directors and officers insurance, cyber and data risks insurance and legal representation and employment disputes insurance.

Cyber response helpline

If you're the victim of a targeted cyber attack, our cyber response helpline provides access to specialist solicitors and information security experts who will give expert legal and technical IT security guidance on the issues arising from cyber and data protection risks. Included as standard with cyber and data risks insurance.

Cover starting at £5 a month

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