Teachers & Tutor Insurance
These days it has never been more important to protect your professional teaching career with insurance products. There are a number of risks associated with the field of teaching which could leave you financially vulnerable. Teachers insurance products can protect your assets and ensure you have the financial support you need to offset risk.
If you’re dealing with children and students, it is a regrettable fact of life that you’ll be exposed to numbers of risks. Whether you’re on your students’ premises, those of a third party or your own, accidents can happen and problems arise from nowhere.
Perhaps in past generations, some such problems would have been attributed to bad luck and just shrugged off. Today that’s no longer likely to be the case. You may find that you’re being sued before you’ve even fully grasped the position and its implications.
That’s why our teachers and tutor insurance exists – to provide you with the comfort of knowing you have financial support of public and products liability protection of up to £2 million. That should offer significant peace of mind – and you can increase the public liability protection to £5 million if your activities indicate that a higher amount may be advisable.
However, we recognise that in the teaching and tuition professions, one size typically doesn’t fit all. That’s why we offer a product that is flexible and customisable to suit your needs
For example, to the basic cover above you may wish to add:
- employers’ liability cover of £10 million for up to 5 employees (this form of insurance may be legally obligatory in some situations);
- all risks protection for your business equipment – and if your speciality is music this could include your instruments;
- personal accident protection for your employees (may be useful as part of a benefits package);
- cover against the often large costs that may be incurred through commercial legal expenses if you become embroiled in litigation.
It’s worth remembering that legal liability is not typically defined by intent. Even your best-intentioned professional actions could leave you liable for huge costs if things go wrong.
The risk events covered by our policies are hopefully unlikely to happen. Yet if they do, they may be financially ruinous for your business and possibly both you and your family. That’s why spending a little time thinking further about teachers and tutor insurance may be in your best interests – and we’re here to help
Teaching Insurance
All professionals have the responsibility of care to anyone they come into contact with in their working lives. In the eyes of the law if there has been any negligence on your part (whether knowingly or unknowingly) then you could be liable for legal action.
Accidents can happen. If someone is injured or property is damaged and you are found accountable you could end up facing legal action that could cost you hundreds of thousands of pounds. This is why it is so important you have teaching insurance in place to protect your finances.
Public Liability
No professional can afford to ignore public liability insurance. This can protect both you and your students against the possibility of legal costs.
- Teacher and tutor insurance can provide public liability cover to protect you whether you are teaching in the classroom, in your home or at your student’s home.
- This will ensure that you will be protected financially should any accidents happen.
- Our teaching insurance can offer you public liability cover worth up to £5 million and this should provide you with peace of mind as you go about your duties.
- Each teaching role is different so we can offer tailor-made teacher insurance packages designed to suit your individual needs.
- You can add employers liability insurance if you are in charge of other employees (cover for up to £10 million).
- Personal accident protection is also available for you and any employees in your care.
- You may want to consider adding ‘all-risks’ protection. This comprehensive option is a good idea if you have other assets you want to protect such as expensive musical instruments or photography equipment.
Even with the best intentions things can go wrong. It is important you have planned for all eventualities by making sure you have full teachers insurance in place. Spending a little time planning the right insurance cover now can save you a lot of expense and hassle later on if the worst should happen.
