Business insurance for Tutors and private teachers


For teachers and tutors, insurance can help to protect you while working with people. You may work full-time or part-time, offer private academic or even music lessons.

Business insurance can be tailored for teachers and tutors to protect against the potential risks of your profession. For example, professional indemnity insurance can cover you if someone claims you provided negligent services or advice. Your joy is in sharing knowledge – tailored cover can keep you focused.

 

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Cover from £8.40 per month*

Cover your tutoring business from just £8.40. We make it possible to teach with confidence, even if your business is small. 

*Figures based on an average of all business insurance policies sold to at least 10% of our customer base between August 2023 and August 2024 

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Award winning customer service

Hiscox won the Feefo Platinum Trusted Service award in 2024, meaning you can rest assured knowing we always have your best interests at heart.

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Flexible cover to suit you

Whether you work from home or in an office space, our insurance options can be tailored for teachers of all types and subjects. Combine policies to get the right cover for you.

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Why do tutors and private teachers need insurance?


Parents claim negligence

Failure to achieve a top grade in an A-level language exam leads to a student’s parents claiming you missed parts of the syllabus during private tuition. They want to take you to court for teacher malpractice, which is where the right insurance can help.

A legal defence clears you of negligence. However, your defence costs add up to hundreds of pounds. Legal fees can be covered by professional indemnity insurance for both full-time and part-time teachers.

A student’s accident

A child trips over sound-system equipment during a lesson, breaking their arm. The equipment belongs to you, their private dance teacher. The student’s parents believe you weren’t supervising appropriately and were therefore negligent.

In this case, the legal claim and settlement costs could be covered by public liability insurance. For teachers and private instructors, this can help to protect tutoring profits and your reputation.

Injured and unable to work

A cycling accident on the way to a leisure centre results in you suffering a serious injury. It means you’ll be in hospital for several weeks and unable to work for a while.

The personal accident cover you have as part of your business insurance policy can provide a weekly pay-out to help cover rent, bills and other costs. When your self-employed teacher fees aren’t coming in, this can step in instead.

What insurance is available for tutors and teachers?


Insurance options for teachers and tutors also include employers’ liability insurance, which is typically required by law (external link) if you employ anyone but yourself. Portable equipment insurance and cyber insurance are also common.

When setting up my business and looking for insurance, getting a quote from Hiscox Insurance could not have been more straightforward. The online information form was easy to follow and complete, with an immediate quote received at the end. Simplicity itself!
Harry Tugwell
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If you’re not sure what you need, tell us a little more about what you do. We’ll help you to build your quote and explore any other insurance needs.

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Insurance for tutors and private teachers: FAQs


What insurance do I need as a teacher?

Employers’ liability insurance is the only insurance teachers will need according to law if they employ others – you can find out more on the government website (external link)

Regarding other policies, this will depend on how and where you work. For example, professional indemnity insurance may be helpful to cover you for any claims you’ve made a mistake in your teaching, or offered poor advice. Other policies, such as public liability insurance, may also be relevant to your work. 

Do I need insurance for teaching online?

Insurance needs are similar for online and in-person teaching. This is because the risks when you work from home are often similar to those you’d have working from other premises.

For example, your clients can take you to court alleging poor services, whether you teach from a laptop or in a community centre. You might also consider public liability or legal protection insurance. However, if you work from home, office and contents cover may be appropriate.

Do teachers need public liability insurance?

As a teacher or tutor, you may feel it would be a good idea to have public liability insurance in place. Anyone who may work with members of the public, or people outside their business, may find it can help counter risks and cover any legal costs and claims. What’s more, some organisations, such as councils, may require you to have this in place.