Teachers and tutors insurance

Specialist cover for a wide range of teachers and tutors from as little as £5 a month

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Our teachers and tutors insurance offers specialist cover for a wide range of education professions, including school teachers, music teachers and private tutors.

Our teacher and tutor insurance policy has been designed to cover the risks facing your profession with knowledge from over 25 years as a specialist insurer.

Teaching students carries a whole host of risks. An allegation of poor tutoring, a student injuring themselves whilst visiting your workplace or the theft of a laptop containing course material could have a serious knock-on effect for your business. Our insurance for teachers and tutors can be tailored to cover your business for these risks and many more, giving you the peace of mind that if something goes wrong, you are covered.

We can help you build a specialist teaching insurance policy. Our simple quote system asks you about your business activities and builds a policy around them, offering you covers that may be of interest. You can buy all or just some of the covers quoted, so you will only pay for the cover you want.

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Cover starting at just £5 a month

Choose from these covers to tailor your teachers and tutors insurance

  • Public liability and professional indemnity insurance

    Public liability and professional indemnity insurance offers comprehensive protection against the cost of defending you against allegations of professional negligence (such as failing to provide an acceptable level of photography to a client) 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 provide a series of lessons to a student who fails to achieve their expected grades. They allege that your tuition was inadequate and take legal action against you to recover their losses.
    • You accidentally teach a student an old version of a syllabus and they fail their exams. Their parents take legal action against you to pay for the exam fees and extra tuition.
    • A student, while visiting your home for a lesson, trips over a cable and injures themselves. They make a personal injury claim against you seeking compensation.
    • You spill a cup of tea over a student’s laptop and smartphone, and the parents claim against you for the cost of replacing them.

    Public liability and professional indemnity insurance is generally considered essential cover for teachers and tutors of all types. 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.

    An example of a claim would be:

    • A student with special education needs lashes out at one of your employees and injures them. The employee makes a personal injury claim against you seeking compensation.

    If your teaching business has any employees, you need this cover. Cover for £10m.

  • 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. You can also choose to cover your business equipment (such as laptops and mobile phones) on a worldwide basis, and insure your business against loss of income and/or additional trading expenses following events such as damage to your property.

  • Occupational personal accident insurance

    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 following an occupational accident (i.e. one sustained while you are working as a teacher), you should consider having occupational personal accident insurance to help ease the financial burden.

  • Legal representation and employment disputes insurance

    Legal representation and employment disputes insurance pays your legal and representation costs, together with any award you are required to pay, following an employment dispute - for example, with another dance teacher that you employ in your business. It also pays costs and expenses for certain crisis management, identity fraud, official investigation, corporate manslaughter, pollution and data protection issues.

  • 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 students (including their work, grades and progress plans) on computers and other internet connected devices, you should give consideration to this cover.

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Cover starting at just £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 is different - it 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, at home, a rented premises or your student's house - you'll be covered under our policy.

  • I teach several different subjects - will I be covered?

    Yes. We don't restrict the subjects you teach, so if you teach English to some students and Maths to others, you'll be covered by 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, so you're sure to find the right cover for your business.

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.

  Fee dispute service

Chasing unpaid invoices or fees takes up valuable time for every teacher and tutor. We offer our policyholders 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.

  Employer helpline

When there's an issue with one of your employees (i.e. a teacher or tutor that you employ), it can be difficult to know where to turn for advice. Our dedicated team of employment law specialists at LHS Solicitors are on hand to assist you with a range of employment law disputes including disciplinaries, dismissals, unlawful discrimination, redundancy and TUPE. Included as standard with legal representation and employment disputes insurance. 

  Public relations crisis management service

Public relations disasters can occur at any time, particularly in today's 'blame and claim' culture and when you're working with children. 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.

  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 supply teachers who operate as a limited company. Our policyholders receive an exclusive discount on IR35 contract reviews from Abbey Tax (a Markel company), who have over 20 years experience advising individuals and businesses on their tax status. As part of the service, Abbey 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 contractreviews@abbeytax.co.uk, quoting 'MKLD' and your policy number.

Cover starting at just £5 a month