Compare Tutor and Private Teacher’s Liability Insurance

Helping your students succeed brings with it great personal satisfaction. When everything goes well, teaching is one of the most rewarding of professions.

Unfortunately, things can go wrong, and if you work as a tutor or private teacher, it might pay dividends to make sure you have adequate levels of protection in place.

What insurance might you need?

Professional Indemnity Insurance

One of the most important types of insurance to get in place as a tutor or private teacher is professional indemnity insurance (PI). This is a type of liability insurance that covers you against legal defence costs arising from damages or compensation claims made against you by your clients for a negligent breach of your professional duty.

If that’s hard to imagine that happening to you, think of the following situation:

John’s parents are ambitious people. They ask you to help him prepare for his A levels. Everything seems to be going okay and John is a diligent student with homework always in check. Unfortunately, he fails his exams. Turns out you were teaching him a wrong syllabus for a whole year. It’s something you could have easily checked, but haven’t and in consequence – negligently breached your professional duty.

John’s parents are furious. They’ve paid you considerable fees and hold you responsible for the failure. As a result, they decide to sue you for damages.

As well as being emotionally sapping, any sort of legal action can become very expensive, very quickly. Defending your reputation doesn’t come cheap and solicitor’s bills alone will soon add up. In the event that you lose any action, there is also the cost of damages or compensation to consider.

PI insurance would cover you for the legal costs as well as the compensation costs of any successful action against you.

Public Liability Insurance

If you teach students in your home, their home or other premises that you control such as a private office, you’ll also need to consider public liability insurance.

This protects you should John have tripped over a curled corner of your rug and burned himself with coffee he was carrying or if you somehow spilt something on his laptop and broke it for example.

Employers’ Liability Insurance

There are other forms of insurance that you should consider depending on your circumstances. If you employ other tutors or private teachers, you’re required by law to have employers’ liability insurance cover in place. This protects you against claims costs should those employees get injured or become ill due to work they’ve done for you.

What should you do?

Your first step should be to try and limit error in the first place. We know this sounds obvious and we also know that no one makes a mistake on purpose. However, there are things you can do in your business that help reduce the risk of legal action.

Having good business procedures and contracts in place can help you. Make sure that your contract with any client always states what you will do (i.e. what syllabus you’ll use), how you will do it and what you aim to achieve. You may want to seek specialist legal advice to help you draft a contract.

The second important step is to take out liability insurance cover.

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Compare prices and get insurance

Finding competitive liability insurance isn’t complicated. In fact, you can do it right here, right now. Use our public liability or employers’ liability comparison services to find the right deal for you. For professional indemnity cover – fill out the enquiry form and our team get in touch with you.