Music teachers insurance
Specialist insurance for music teachers from as little as £5 a month
Fast, easy online quote in 90 seconds
Interest free direct debit
No hidden fees or cancellation charges
More teaching professions we cover
Cover starting at just £5 a month
Cover starting at just £5 a month
Frequently asked questions
What's the difference between professional indemnity and public liability?
Professional indemnity insurance would cover you for claims made against the professional advice or work you’ve carried out. For a music teacher, a professional negligence case might cover allegations against the quality of tutoring given for an exam. Public liability insurance, meanwhile, covers injuries or illnesses suffered by third parties through your work. This might mean dropping or damaging a musical instrument.
I teach several different types of music - will I be covered?
Yes. We don't restrict the types of music you teach, so whether you teach the piano, guitar, violin or act as a singing coach, our policy can cover you as a music teacher.
I teach lessons at different venues - is this covered?
Yes. Regardless of where you teach - for example, at home, a rented premises or your student's house - you'll be covered under our policy.
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.
How are Markel regulated?
Markel is regulated by the Financial Conduct Authority and Prudential Regulation Authority – details of which you’ll find on the Financial Services Register.
Access these specialist services with your Markel insurance policy
Our specialist insurance for teachers and tutors not only offers comprehensive protection against claims - it gives you access to time-saving business services designed to make your life easier in tricky situations.
24 hour legal advice helpline
With all policies you’ll get 24/7 telephone access to a qualified solicitor at no extra cost. This means you can call on someone you can trust to answer queries on points of law, handling difficult clients, health and safety issues, or how to structure your business. This is included as standard with all policies.
Markel Law Hub access
On top of the 24-hour legal helpline, you also get access to hundreds of legal document templates. Instantly download ready-made contracts, policies, procedures and guidance to use for your business - without paying any expensive legal fees – in our online legal hub, powered by LHS elXtr. This is included as standard with all policies.
Fee dispute service
Chasing unpaid invoices or fees can be a time-consuming job for music teachers. Our policyholders can use a fee dispute helpline – powered by a leading law firm – for legal help and support to resolve these matters. This comes with our public liability and professional indemnity insurance cover.
Public relations crisis management service
As a music teacher, your reputation is important in helping you to retain and grow your base of clients. Negative press coverage can be highly damaging. Our specialist public relations crisis management firm, The Counsel House, can work with you to help manage allegations of fraud, injury caused to employees or the public, and official investigations into your company's affairs. This is 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
Our cyber response helpline provides access to specialist solicitors and information security experts who can offer expert legal and technical IT security support if you suffer from a cyber-attack. Included as standard with cyber and data risks insurance.
Discounted IR35 contract reviews
Falling within IR35 legislation - which determines that an individual is avoiding tax by using a limited company to disguise employment - is a huge concern for many self-employed music teachers who operate as a limited company. Our policyholders receive an exclusive discount on IR35 contract reviews from Markel Tax (a Markel company), which has more than 20 years experience advising individuals and businesses on their tax status. As part of the service, Markel Tax will review your contract, along with your working practices, to determine whether or not you are operating outside of IR35, and you'll receive a written report with suggested contract amendments where appropriate. Policyholders can access this service by calling 0345 223 2727 or emailing firstname.lastname@example.org, quoting 'MKLD' and your policy number.