Personalised and flexible insurance for teachers, trainers and tutors

Price beat guarantee

We guarantee to beat your new insurance quote or renewal premium from any other insurer.

To redeem and for full Terms & Conditions, click here.

New customers only. Cover on an equivalent basis to ours. Qualifying criteria apply.

Stolen laptop? Damaged mobile? We'll replace your essential tech within 24hrs of claim approval, with Business Tech Essentials.

Cover & claim limits apply. Mon – Fri 8am – 6pm, except Bank holidays

  • We cover you whether you teach at home, a pupil’s home or in a community hall.
  • No admin fees if you need to make changes to your policy.
  • 0% APR on your monthly Direct Debit payments in the first year.

    Over 18s, subject to eligibility.

  • We won't be beaten on price. We'll beat your new business insurance quote or renewal premium from any other insurer.

    New customers only. Cover on an equivalent basis to ours. Qualifying criteria apply. Terms & Conditions.

Insurance that is tailored to your profession

Teaching is one of the most rewarding professions but it’s not without its challenges and risks. In fact, when you’re an independent tutor, you face the same challenges as any small business. So, it’s important that you have the proper insurance cover in place, so that you’re covered if something unexpected happens and you’re faced with legal fees and compensation claims.

The biggest concern most tutors face, particularly if they work from home, is someone they teach getting hurt on their premises. Even relatively small slips and trips could result in a claim being made. Even if you’re not at fault, the cost of defending yourself in court can be extremely high.

You also have your teaching equipment to consider. If you’re a music teacher then you might have expensive instruments to insure, especially if you travel to your pupils’ homes. If your main piece of equipment was dented, damaged or destroyed, you need it replaced quickly, particularly if you’re working to a syllabus.

Fortunately, Direct Line for Business provides a Teacher, Trainer and Tutors’ Insurance policy that you can customise to fit your business needs. Use our online quote tool to select what kind of cover goes into your policy, so you get the exact cover you need without paying for what you don’t.

See what you can include in your teaching insurance policy below.

Get a quote
or call us on 0345 878 5622

Your cover options

Add any of these cover options to your Teacher, Trainer and Tutors’ insurance to create a personalised policy that works for you. These covers are subject to policy conditions and limits.

  • Professional indemnity

    Professional indemnity covers your legal expenses if a client decides to sue you for professional negligence. We only offer cover to trainers and tutors.

  • Public liability

    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.

  • Employers' liability

    If you employ anyone to help with your business, employers’ liability insurance is a legal requirement. This includes anyone you employ temporarily. Read more about exceptions to this rule here.

    If someone who works for you got injured, or became ill, while performing their duties, employers’ liability will cover your legal costs. At Direct Line for Business, we will cover you for £10 million, as standard.

  • Buildings cover

    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.

  • Contents and equipment cover

    If you rent or own an office, you may want to cover your office contents, equipment and documents. You can also cover your expensive electrical items in case of damage, breakdown (excluding wear and tear) or theft.

    We also offer a cover option that allows you to insure these items on the go, which is helpful if you go on site visits or work at different places. If your work laptop fell on the ground and the screen cracked, we’d cover the cost of replacing it.

    And now with Business Tech Essentials, if your essential tech is stolen or damaged, we'll replace it within 24 hours from claim approval.

    When you cover your electrical items and tech you get Business Tech Essentials. Which means if your essential tech - like laptops, mobiles or tablets - are stolen or damaged we'll replace them within 24 hours of claim approval.

    Cover & claim limits apply. Mon – Fri 8am – 6pm, except Bank holidays.

  • Business interruption

    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.

  • Theft of takings

    As a freelance tutor, you’ll often take payment by cash or cheque. So, you should consider covering your business against theft. This cover will pay out in the event money is stolen from you, your premises or anyone who works for you.

  • Cyber cover

    If you hold sensitive customer data, process payments online or just want peace of mind, Cyber cover should be considered. Because cyber criminals can be clever. Catching you off-guard and tricking you in to doing something you shouldn't, like opening an attachment in a fake email, or finding a way through your cyber-security. If this happens and they get their hands on your data or access to your bank account, the impact on your business could be devastating.

    But, with our Cyber cover, you can call the experts, 24/7. They'll be on it, helping you to stay in business and recover in three ways following a cyber incident:

    Recover financially

    • Covering loss of business income
    • Covering recovery costs, like fixing damage to your computer systems or data restoration
    • Covering fines (where insurable by law) and compensation costs following a data breach

    Recover your reputation

    • You get access to public relations and crisis management experts to minimise damage to your brand and business.

    Recover your systems and help prevent future incidents

    • Technical experts will help fix your IT issues and provide advice on how to prevent future cyber incidents.

    Read more on Cyber cover here.

    Available on new and renewal policies only. For Retail and Office & Professional customers only.

  • Legal expenses

  • Personal accident

    Personal accident cover provides payment if anyone in your business between the ages 16-75 is unable to work because they've been injured in an accident, whether in a business or personal capacity.

    We'll pay a lump sum of £50,000 if there is an accidental death, accidental loss of limbs or sight, or if someone in your business becomes permanently disabled following an accident.

    If someone in your business is unable to work due to a temporary injury, then after 7 days we'll pay their normal net weekly earnings up to £500 for up to 104 weeks.

    You can choose Personal Accident as an add-on once you've completed your quote.

How can we help?

Get a quote, talk to us via live chat or call us on
0345 878 5622.

Visit our contact us page to view our opening hours.

Frequently asked questions

  • QWhat kind of educators do you insure?

    We can insure:

    • Academic tutors
    • Art teachers
    • Baking teachers
    • Business trainers
    • Computer trainers
    • Cooking teachers
    • Correspondence schools
    • Drama teachers
    • Language tutors
    • Management trainers
    • Music teachers
    • Online teachers/schools
    • Photography teachers
    • Private tutors
    • Secretarial trainers
    • Sewing teachers
    • Soft skills tutors

    If you don’t see your profession here, it doesn’t mean we won’t insure you, simply get a quote to get a personalised run-down of the cover we offer.

  • QAre there any restrictions to your cover?

    Unfortunately we cannot insure the following:

    • Any full or part-time teaching in schools, unless in an independent capacity such as a music teacher
    • After-school club teachers
    • Cycling teachers
    • Dance teachers
    • Out of school club teachers
    • Personal trainers
    • Pilates teachers
    • Pre-school teachers
    • Sports teachers
    • Supply teachers
    • Teachers at training centres
    • Yoga teachers

    We can offer a range of cover options but unfortunately we cannot offer professional indemnity to:

    • Freelance music teachers
    • Online tutors

    We do offer other kinds of teacher cover. Just get a quote to see what you can add to your policy.

Policy documents

If you have an existing quote or policy with us, you can view and download your policy documents from the My Account page.

We tailor all our policies, so your documents only show what you’ve chosen to cover.

Below is a summary of a generic policy, from 25 October 2020 onwards, which shows the main covers and exclusions in our policies.