Teachers and tutors insurance

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 teaching) 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.

• 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. 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.

• 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.