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.

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:

Recover financially

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

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.

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.