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Education insurance

Join over 2,600 education professionals like you with cover from £3.49 per month*. Compare tailored insurance from trusted brands.

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Based on 39,770 reviews

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Claims paid in 24 hours

For 80% of settled claims

What's on this page

  • Why is insurance important?
  • What does it cover?
  • How much does it cost?
  • How do I choose insurance?
  • How do claims work?
  • FAQs
  • Helpful articles

Why do you need insurance for working with children?

Out on a field trip or remote learning over video – however you’re providing it, education is a varied and challenging sector. Whether it’s public liability insurance for schools (think slips, spills and accidents) or specific professional indemnity insurance for education consultants, our policies are designed to cover the invaluable work you do.

  • insurance for education professionals from liability to professional indemnity
  • peace of mind, letting you focus on the learning, not the what-ifs
  • add cover mid-way through your policy depending on your clients and contracts

Start your quote

What does education insurance cover?

From young adults with learning difficulties to children preparing for exams, you know your sector and clients best. We put you in charge of what goes into your education insurance policy, starting with popular covers like public liability insurance, for schools, consultants and tutors. From there, you can add equipment cover, plus indemnity protection for your professional services.

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.

  • 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

How much does insurance for education professional cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Prices start from £3.19 per month

Get your quotes in 7 minutes – prices are guaranteed for 30 days.

Get your tailored quotes in 7 minutes

Start your quote

*The price is for £1 million of public liability insurance - 10% of customers paid £41.87 or less annually between 1st Oct 2023 - 31st Mar 2024. Equivalent to £3.49/month (and excludes the extra costs for paying monthly). If you complete a quote more types of cover will be available, these all have additional costs.

Example education insurance quotes, real prices

chiswell insurance

£14.42 /month

£124.15 /year

A private tutor working from residential and commercial locations

  • 1-2 years' experience
  • Sole trader
  • No employees
  • Based in Norwich
  • Public liability


  • Employers’ liability

    Not included

  • Professional indemnity


hiscox insurance

£63.00 /month

£559.99 /year

An education consultancy business run nationwide with client contracts up to the value of £500,000

  • 5+ years' experience
  • Limited company
  • 2 employees
  • Based in Aberdeen
  • Public liability


  • Employers’ liability


  • Professional indemnity


How we work out example quotes These examples are real quotes from our online system (created 05/03/2021). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.

What kind of excess should I expect?

An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.

Insurance cover

Lowest excess

Highest excess

Public liability



Employers' liability

No excess

No excess







Business and office equipment



Professional indemnity

No excess


The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.

How it works

  • Pick what goes into your policy

    Only pay for what you need

  • Get prices from a range of insurers

    Choose the best fit for you

  • Buy online in minutes

    Get your documents the same day

Start your quote

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How do I choose insurance?

Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.

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:

Other types of 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.

Talk to an expert

Our team of UK-based insurance experts are here to help, Mon 09.00am - 05.30pm, Tues 09.00am - 05.30pm, Weds 09.00am - 05.30pm, Thurs 09.30am - 05.30pm, Fri 09.00am - 05.30pm, Sat 09.00am - 02.00pm

Call our team

0333 043 8527


Contact us on our website whenever suits you


Call our insurance experts during office hours (calls are charged at a local rate)


Find answers to common insurance questions

How do claims work?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive. The figure below is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.

£39 million in claims paid out in 2022

Paying 80% of settled claims within 24 hours in 2022

Example claim

Having professional indemnity insurance for education consultants through Simply Business has saved businesses thousands of pounds when the unexpected happened.

Rosie saved more than £623

While on a field trip with her pupils, Rosie (not her real name) slipped on some seaweed, breaking her wrist. Her education insurance policy covered the fall and cost of not working for at least six weeks.

  • Insurance payout


    Covering the cost of personal accident

  • Rosie’s costs


    The excess amount stated in Rosie’s policy terms

Chosen by 900,000 small businesses and landlords

We started out as a team of five back in 2005. We’ve grown since then with 900,000 customers across 1,500 trades now trusting us to provide their business insurance.

  • Compare and buy in minutes

    Documents arrive today

  • Rated 4.7/5

    Based on 39,770 reviews

  • Here to help

    Help from UK-based experts

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    Make a claim any time

Education liability insurance FAQs

Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about insurance for working with children, and other educational settings. You can also check out our business insurance FAQs.

  • Do teachers need insurance? This depends on your business, your clients and the pupils you’re taking on. In general though, professional indemnity (PI) insurance is popular with many education professionals. You’re delivering a service, and this cover can cover you for disputes over the results you’ve achieved, or the way you’ve prepared a student for an exam, for example.

    Alongside PI insurance, lots of teachers and consultants choose to include public liability cover – in case they cause an accident – plus insurance for their tools and other kit. And remember, employers’ liability insurance is a legal requirement for most businesses with employees. Read more on teachers insurance here.

  • Yes. You may start offering additional services that require you to use different skills or carry out different tasks. If you find yourself in this situation, it’s important to give us a call on 0333 0146 683 to update your policy before you take on this new work. If you don’t have the correct type of cover in place for the work you do, you may be unable to claim on your policy if something goes wrong.

  • Do you employ any staff? If so, employers’ liability insurance is almost always a legal requirement, and businesses can be fined up to £2,500 a day for anyone who isn’t fully covered.

    As well as this common legal requirement, a professional education or teachers’ insurance quote will usually help to cover lots of different risks, specific to your sector, from professional indemnity – for mistakes, defending yourself against complaints to governing bodies, confidentiality breaches, etc – to personal accident and public liability claims.

  • Again, employers’ liability is usually a legal requirement if you employ anybody to work for your education or teaching service – you risk a daily £2,500 fine for every employee who isn’t properly covered.

    Other than that, you don’t currently need any specific insurance to teach international students in the UK. Professional indemnity (PI) insurance for teachers and education professionals is a popular protection, however, because it can help cover you against claims for negligence, teaching an incorrect syllabus, breaches of confidentiality or complaints to governing bodies, even if you’ve done nothing wrong.

  • You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:

    • one-off credit or debit card payment
    • BACS payment
    • Direct Debit

    If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly instalments.

  • This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.

    If you employ people, you’re required by law to have employers’ liability insurance.

    There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.

We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions

Helpful articles for educators

Female teacher stood in front of classroom of pupils

15 Jan 2020 • 6-minute read

How to become a teacher in the UK in six steps

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