Business insurance for Tutors and private teachers

For teachers and tutors, insurance is a vital source of protection in a profession that sees you working closely with people every day, giving advice and guidance as part of your job.  

Whether you work full-time or part-time, offer private tuition to GCSE students or singing lessons to adults – business insurance for teachers and tutors protects you against the risks you face in your profession.  

Having a policy gives you reassurance that you’re covered for the circumstances you can’t control, allowing you to focus on your day-to-day work. 


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Cover wherever you teach 

Hiscox policies cover you if you teach at home, a pupil’s home, another location, or even online 


Buy online in just minutes 

Buying insurance with Hiscox is fast and simple and you’ll receive your documents over email immediately


Flexible cover for you

Pay monthly for no additional cost, make unlimited changes and cancel at any time with no fees

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Tell us about your business – We’ll help you to build your quote and explore your insurance needs.

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Insurance for a tutor or private teacher

As a private tutor, you always aim to provide the best education and experience for your pupils. If a school, education authority, student or parent claims there’s a problem with your work, such as failure to cover a syllabus correctly, or your student doesn’t achieve expected grades – defending yourself could be expensive and time consuming.

There might even be circumstances where a student is injured while under your tuition – if this is blamed on your alleged lack of supervision, having the right insurance cover in place ensures you’re protected.  

Hiscox can provide cover for allegations of abuse and molestation made against you and your employees, provided that you follow a robust written safeguarding policy. Your policy schedule will show whether this is included, however we will not provide cover to any party who commits, condones or ignores any abuse or molestation. 

Our tutors and private teachers’ insurance offers a choice of limits up to £10m, as required by certain schools and councils – so you can be reassured that you’ve got the cover you need.

With Hiscox, you also receive access to our Business Support Hub – here you’ll find access to a range of handpicked services for free or at significantly discounted rates to help your business succeed. 

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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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Why do private tutors and teachers need business insurance?

Parents claim negligence

Failure to achieve a top grade in an A-level language exam leads to a student’s parents claiming the private teacher missed out parts of the syllabus during tuition. A legal defence is required and clears the teacher of negligence. The defence costs are covered by the professional indemnity insurance for both full-time and part-time self-employed teachers.

Held liable for a student’s accident

A child trips over sound system equipment during a lesson, breaking her arm in the process. The equipment belongs to her private dance teacher. The student’s parents believe the teacher wasn’t supervising appropriately and was therefore negligent. A legal claim and the costs of a settlement are covered by the teacher’s public liability insurance.

Injured and unable to work

A cycling accident on the way to a leisure centre results in a part-time swimming teacher suffering a serious injury. It means she’ll be hospitalised for several weeks and unable to work for a while. The personal accident cover she has as part of her insurance for teachers ensures a weekly pay-out to help cover rent, bills and other costs.

Key types of insurance for tutors and private teachers