Teachers and Tutors Insurance

As a teacher, tutor, coach or trainer you are employed by your clients for your ability to provide education and training to a level that meets your clients’ desired requirements, such as a formal qualification e.g.: certificate or diploma.

With Caunce O’Hara you can build a personalised insurance policy that will provide cover if a claim of alleged negligence in your work is made against you by your client.

A couple of examples could include:

• You are employed by a company to deliver corporate training to the company’s sales team, giving them clear instructions to follow. The sales team implement your recommendations and instructions and the sales figures drop. The client makes a claim against you for negligent advice.
• You are contracted as a supply teacher in a school. A student is injured while in one of your classes and the parents make a claim against you for damages. Public liability insurance will respond to provide you with cover in this instance.

With Caunce O’Hara’s intuitive online quote and buy system you can get an indicative quotation for your Teachers and Tutors insurance in a matter of minutes. Professional indemnity insurance can start from as little as £98.00 per annum.

An example quote: a Home Tutor with an annual turnover of up to £50,000 per annum, with £500,000 indemnity limit in any one claim, would pay £192.00 per annum for professional indemnity insurance. That’s only  £16.00 a month, which we think is great value considering the cover and peace of mind that you benefit from (Figure correct as of 09.11.2021).

Apart from Professional Indemnity insurance teachers, tutors, coaches and trainers will be required to carry Public Liability insurance as part of their contractual obligations.

It is important to be aware that as a self-employed business owner, a claim can be made against you personally with unlimited personal liability, therefore Directors and Officers insurance is a valuable insurance policy which will cover you in this instance.

Legal Expenses insurance will also provide cover for costs incurred from a legal occurrence or claim that your indemnity and liability insurance does not cover, including the costs incurred from an IR35 tax investigation.