Education insurance

Public liability insurance for education consultants

In case you cause an injury, illness or property damage.

What’s typically covered by public liability insurance?

Claims against your business for:

• damage to someone’s property
• an injury caused by your business activities
• accidental damage or injury caused by your employee, if you have one

If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.

For example:

• during a parent-teacher evening, someone trips over a box of play equipment, breaking their arm
• one of your pupils is working at his desk when his chair collapses, causing him to fall and cut his leg

Read more about public liability insurance

Employers’ liability insurance

In case something happens to an employee while they’re working for your business.

What’s typically covered by employers’ liability insurance?

Claims against your business for:

• an injury or illness that comes as a result of working for you (including temps and casual workers)

**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:

• you pack some boxes of books, but they’ve been packed badly and don’t sit comfortably on top of one another. One of the boxes falls on your teaching assistant, causing concussion
• you spill water on the plug of a projector, but then your teaching assistant gets electrocuted when trying to plug the projector in

Professional indemnity insurance for education consultants

In case you make a mistake in your work, or a breach of confidentiality.

What’s typically covered by professional indemnity insurance?

Claims against your business for:

• breach of confidentiality or disclosing sensitive information
• teaching an incorrect or incomplete syllabus
• PI can also cover you for complaints to governing bodies and the cost of defending these claims, even if you’ve done nothing wrong

For example:

• have you made any guarantees to students? For example, your PI insurance could cover you if promised results aren’t achieved
• a parent sues you for not teaching the full syllabus, after their child fails an exam

Read more about professional indemnity insurance

Business and office equipment insurance

In case things like laptops or office filing cabinets are lost, stolen, or damaged.

What’s typically covered by business and office equipment insurance?

• theft of the equipment you use to run your business
• accidental loss of your equipment
• flood, fire or accidental damage

For example:

• someone breaks into your store cupboard and steals all of your classroom computer equipment
• a pupil breaks the tablet you use to plan lessons and communicate with parents

Read more about business and office equipment insurance

Legal expenses insurance

In case you’re faced with legal costs from running your business.

What’s typically covered by legal expenses insurance?

• legal costs attributed to your business
• property damage, nuisance or trespass – specifically, the associated legal claims and compensation payouts
• tax and compliance disputes and investigations you need help with
• access to expert advice – including a tax advice phone line, confidential 24/7 legal phone line, and crisis PR support to help you protect your reputation, as a trusted education professional

For example:

• HMRC wants to take you to court for not paying your tax bill, so you need to pay for a solicitor to represent you you get into a contractual dispute with a client, who argues you haven’t delivered the promised service
• a parent is refusing to pay for a full term of teaching

Read more about legal expenses insurance

Personal accident insurance

In case anyone you’ve covered has an accident, at work or off duty.

What’s typically covered by personal accident insurance?

• injury or death of anyone you’ve chosen to cover in your policy – whether this happens at work or elsewhere
• lost income, hospital bills or other medical costs associated with the accident

For example:

• you’re out with friends at the weekend and trip over a pothole, breaking your ankle and keeping you off work for a week
• while travelling to a client’s house you’re in a minor car accident, suffering mild concussion and dislocating your shoulder

Read more about personal accident insurance

Which type of workers do I need insurance for?

Employers’ liability insurance is a legal requirement if you employ people.

If you have people working for you, including bona fide subcontractors (BFSC), labour-only subcontractors (LOSC), part-timers, or full-time staff, employers’ liability insurance is required by law.

Read on for our simplified guide to the difference between labour-only subcontractors and bona fide subcontractors.

Does education insurance cover my work correctly?

Make sure you’re picking the right cover to protect you properly. It’s important to know that if you have another trade or job, you’ll need additional cover. For example, do you need to consider private tutor insurance or teachers insuranceTeachers insurance?

Do I need cover for other types of work?

If you provide other services, make sure you’re covered:

• Artist insurance
• Nursery insurance
• Music teacher insurance
• Dance teacher insurance
• Childminder insurance
• Nanny insurance
• Driving instructor insurance

Other types of insurance

• Limited company insurance
• Self-employed insurance
• Freelance insurance
• Consultant insurance
• Contractors insurance
• Sole trader insurance

Which public liability cover limit should I choose?

Think about the maximum possible loss your business could face in the event of a claim, and make sure you take legal fees and damages into consideration. You can choose from three levels of coverage – £1 million, £2 million, or up to £5 million.