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We know that teaching music is a labour of love so we’ve created music teacher insurance that’s quick and easy to set up, letting you get back to what you do best. Whether you teach guitar or take piano lessons, we’ll help you create a policy that suits your particular needs.
If your instrument tends to stay put and you teach either from your home or another location, then you should think about business buildings insurance, which will cover you against damage to your property that might prevent you from teaching.
On the other hand, if you take your instruments out and about then you might want to consider business equipment insurance, in case your instruments and other items - like sheet music and music stands - are stolen from your car or van.
You can select from these and a range of other covers to create a tailored insurance policy that suits your particular set-up, including public liability insurance and business equipment insurance.
Cover from £6.82 a month, get insured in minutes. (10% of direct debit customers repay their annual policy in 10 monthly payments of £6.82 or less across all our trades insured. Based on data from 1 October 2019 - 31 March 2020, for comparison only. Cancellation charges may apply, please refer to our full terms & conditions.)Start your quote
The insurance you need depends on your business and the risks you face, but these are popular covers for music teachers:
Public liability insurance is typically at the centre of a music teachers' insurance policy; it will cover you if anyone makes a compensation claim against you for injuries they’ve suffered while under your tutelage, whether it's on your premises or elsewhere.
Professional indemnity insurance can cover compensation claims from students who claim to have made a financial loss because of your teaching.
Business equipment insurance is what you need to keep your instrument and other equipment safe. If anything is stolen or damaged, then this covers the cost of a replacement.
Business interruption insurance helps you get back on your feet, should your business be hit by an unexpected event that's covered by your insurance (fire or flood, for example).
Employers’ liability insurance is a legal requirement for most businesses that have staff, so it is likely that you’ll need to add this on if you’re a music teacher who employs anyone, even on a casual basis. It can cover compensation claims made by staff because they’ve suffered illness or injury as a result of their work.
Need more details? Hear more about your business cover options from our expert team in a quick set of videos. Just choose the cover you’re interested in and get some expert insight into how each option can help your business. You can also check out our business insurance FAQs.
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