Business insurance for music teachers

If you’re a professional musician who teaches on the side, it could pay to take out separate insurance for your tutoring activities.

Our music teacher insurance helps with the very different risks that can come in a teaching role compared to when you’re on stage or in the studio. This includes claims of negligence if a student fails to make the grade or allegations you caused harm.

Having full cover in place can help you to continue sharing your love for great melodies.

You’ll face many of the same risks while teaching music remotely as you do for in-person classes. Clients could still complain about the quality of your guidance, creating a need for professional indemnity insurance.

Likewise, employers’ liability insurance remains relevant if your music school has started delivering classes online, since staff can still claim their work for you has caused them a work-related illness or injury. RSI from repeatedly teaching the same instrument, or an injury from not having the appropriate remote setup, for instance. Cyber insurance might become more relevant too, with students and teachers accessing new systems online to enable remote music tuition.

It might also be wise to check your home and contents insurance while working remotely. Personal cover sometimes doesn’t extend to business equipment such as laptops and instruments.

For a music teacher, insurance usually means protecting your instruments. Whether you lend trumpets to students during ensemble sessions or demonstrate chords on your own bass guitar, instances of damage and theft can impact your income.

Contents insurance protects your instruments where you conduct your business, whether at your studio or school.  Many music tutors find portable equipment insurance to be beneficial too. This can be because some home contents policies may not cover your instruments when they’re not at the address.

Tailoring insurance with this cover provides the confidence of knowing the cost of repairs and replacements is covered, whether you’re teaching at home, at a school or taking the train to a private address.