Personalised and flexible insurance for teachers, trainers and tutors

If you injure a pupil or damage their property during the course of your work, your business is vulnerable to a claim being made against you. Adding public liability to your policy will cover the legal costs and compensation payments you are required to pay.

This is especially important if you host tutoring sessions in your home or visit clients in theirs. If you were to accidentally break something in your client’s house, or if someone were to trip over your equipment, e.g. your music stand, public liability can cover the resulting costs. We can offer cover from £1 million to £10 million.

Whether you see pupils at your home or run classes in a dedicated space, if an insured event such as fire or flood damages your work premises, buildings insurance will cover the costs of repairing the damage. This can include the costs of debris removal and any architect’s fees.

Our buildings cover also includes breakdown cover as standard (for items forming part of the building). So, if your boiler broke down, you know that the repairs will be undertaken and you won’t lose business. The breakdown must not be due to wear and tear.

If you work at home but an insured event such as fire or flood stops you from tutoring, business interruption will cover the costs of setting up a new place to work. It will also cover loss of turnover if you can’t work.

Our business interruption cover can insure you if you or one of your key employees becomes seriously disabled and is unable to continue work, we will cover the incurred costs, up to £25,000, to minimise any interruption to the business.

Cyber cover insures you against the risks of using technology to run your business. It covers the compensation and defence costs for a data breach or unintentional transmission of a virus; loss of income following a cyber attack; the costs you face as a result of cyber crime, including the cost of investigating a cyber ransom demand.

We also provide access to specialist support for PR and crisis management, identity theft assistance, IT forensics and data recovery experts, and specialist advice to prevent viruses or hacking attacks after an incident.