Protect your teaching business.

Let’s cut to the chase here. If you’re reading this, the answer is yes, you need insurance as a music teacher. Fortunately, it’s not doom and gloom, as music teacher insurance doesn’t cost a fortune and it’s there to protect you and your students in the unlikely event something goes wrong. For example, if you rip out a Megadeth solo and accidentally damage a chair in a student’s house – you’re covered!

Still with us? Good.

In this guide, we’ll be looking closely at why music teachers need insurance. Specifically, we’ll cover the following topics:

In a nutshell, you need instrument and equipment insurance as a music teacher because it’s likely your home insurance won’t cover you. Specialist musical instrument insurance covers your gear outside the home. Home insurance often does not.

This is where home insurance falls flat and music teachers often get caught out. If you’re a guitar teacher and you take your guitar to your lessons, keyboard, cello, or marimba to a school or students’ home and it gets stolen or broken, you’re likely not covered by your home insurance.

Specialist music insurance covers your gear in your car, outside the home, at gigs, at schools – everywhere and there’s not usually a limit of what you can cover.

Don’t risk it. Get some equipment insurance first.

Public Liability Insurance covers the costs of any compensation claim that arises from your work in music.

These claims could include property damage or any injuries caused to a pupil in your care. Public Liability insurance is a worst-case scenario option and is an essential area of cover for any self-employed music tutor.

Chances are if you’re teaching music in a school, you’ve been asked to provide proof of Public Liability Insurance. It’s worth having.

When it comes to making sure you are covered in case of accidents that can befall your pupils or your property during teaching, Public Liability Insurance (PLI) is a must.

Music teachers need professional indemnity insurance to protect themselves against negligence claims, if someone says you gave the wrong advice, or if they allege you didn’t do your job properly.

Professional Indemnity insurance helps cover legal costs and compensation in the event of a claim made against you.

Some parents can get pretty nasty if their child doesn’t perform well in music exams. If you’re the tutor – they might come after you with legal action.

Public liability is aimed at covering you against claims for injury and damage to third-party property or a person.

Professional Indemnity Insurance is aimed at covering you against negligence claims.

If you teach music at home or on your own hired premises, you’re responsible for their welfare. If they hurt themselves or you damage the property, you need public liability insurance.

If you travel to a students’ house or residence and you accidentally smash their violin, you need public liability insurance to cover the cost of repair and damages.

If you give out advice you need professional indemnity insurance so you’re covered in the unlikely event that a parent or student claims you if they fail their exam.

If your equipment gets stolen from your car, damaged in transit or stolen from somewhere outside the home instrument insurance will cover it. Home insurance often doesn’t cover musical equipment outside the home, so don’t risk it.

Students, their parents and organisations you may go on to work for will often ask to see proof of insurance. Having insurance shows that you are a professional, responsible music teacher.

In all honesty, it’s just easier having cover!