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What is teachers’ and tutors’ insurance?
Teachers’ and tutors’ insurance is designed to protect educators and tutors from the risks they face whilst providing their professional services. This specialised type of insurance can be tailored to meet specific needs and ensure maximum protection for teachers and tutors, whilst you create lessons, assess student progress and adapt your teaching to each individual client.
Teachers’ and tutors’ insurance typically including coverages such as professional indemnity, legal expenses, and cyber insurance.
| Unintentional breach of confidentiality | |
| Loss or damage to documents | |
| Costs of restoring data and equipment |
Why do teachers and tutors need insurance?
By investing in insurance, educators can concentrate on their core duties, knowing that they are protected against potential legal and cyber risks. Teachers and tutors’ insurance ensures you are safeguarded against claims of negligence or below-standard services, with coverage extending to help with the cost of legal defence in case of lawsuits, and safeguarding against data breaches and cyber-attacks.
If you employ anyone in your teaching or tutoring role, you are required by UK law to have employers’ liability insurance.
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What insurance do teachers and tutors need?
What teachers’ and tutors’ insurance can cover?
Our teachers’ and tutors’ insurance covers your legal costs and expenses in defending a claim, and any compensation or costs that may subsequently be awarded (please check your policy terms and conditions for full conditions), following:
What can be covered:
| Unintentional breach of confidentiality – such as accidently sharing your client’s personal details | |
| Loss or damage to documents – our policies can cover the cost of replacing or restoring any document which is lost, damaged or destroyed during the policy year to ensure you can keep trading with minimal disruption | |
| Costs of restoring data and equipment – such as the loss of student data |
What cannot be covered:
| Intentional wrongdoing – for example, professional indemnity insurance does not cover intentional damage or criminal acts | |
| Existing legal issues – for example, legal expenses insurance does not cover the costs of any legal issues which already exist when you secure the insurance | |
| Human error – for example, cyber insurance would not cover any data breaches or cyber-attacks caused as a result of human error |
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Frequently asked questions
These frequently asked questions are designed to help you and include questions relating to policy cover, pricing and ‘technical’ terms.
Browse all FAQsNo, our policies are not able to cover any tutoring and teaching overseas. However, we do cover some dance teaching overseas, such as ballet.
It is not a legal requirement to secure insurance for teaching or tutoring online; however, securing insurance can help to mitigate any risks you may encounter whilst performing your professional duties.
If you have any questions, contact one of our insurance experts here.
Further reading for teachers' and tutors' insurance
Understanding the different types of business insurance
Written by Michael Lawrence
What is professional indemnity insurance?
Written by Michael Lawrence