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Music teacher insurance

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Insurance for music teachers – why is it important?

At your own piano or out and about with students – wherever music takes you, accidents, unexpected crises, and even contract disputes can be expensive to fix. Music teachers’ insurance is an important backstop for thousands of instructors, providing public liability cover, professional indemnity protection, and other options like tools and equipment, legal expenses, and personal accident cover.

  • liability insurance for music teachers, including public and employee risks
  • private piano lessons, drums, or violin – compare cover from expert UK brands
  • rated 4.7/5 based on 39K+ public liability customer reviews
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What does music teachers insurance cover?

We’ll start off with public liability insurance – an important protection for teachers across the UK. From there, employers’ liability insurance is a legal requirement for most employers, so we provide options for that too. You can finish off by adding professional indemnity cover, for issues with your work which cost others money, plus personal accident and equipment cover.

Public liability insurance for music teachers

In case you or your employee injure someone or damage their property.

What’s typically covered by music teacher public liability insurance?

Claims against your business for:

  • damage to someone’s property, caused by your music teaching business
  • an injury or illness caused by your business activities or products
  • accidental damage or injuries caused by your employees

For example:

  • a student cuts their hand on your broken front gate, and makes a claim against you
  • one of your clients slips and falls on your rain-wet practice room floor, injuring their lower back

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

Read more about public liability insurance

Employers’ liability insurance

In case an employee gets sick or injured while working for you.

What’s typically covered by employers’ liability insurance?

Claims against your business for:

  • an injury or illness that happens 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:

  • one of the music teachers you’ve hired injures their shoulder while unlocking your premises
  • your trainee teacher slips on your wet music room floor, breaking her arm

Professional indemnity insurance for music teachers

In case a client loses money because of your advice, services or designs.

What’s typically covered by professional indemnity insurance?

Claims against your business for professional negligence or a loss-causing breach of contract. This can include:

  • advice which turns out to be incorrect
  • mistakes in your work that cost others money to fix

For example:

  • one of your students sits and fails a teacher training exam, and holds you responsible for the costs incurred

Read more about professional indemnity insurance

Business and office equipment insurance

In case something happens to equipment like your instruments, or laptop.

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

  • accidental damage to the equipment you use to run the business, including your instruments
  • theft, flood, and fire damage

For example:

  • your keyboard, headphones and laptop are stolen from a practice room you’re working in
  • you leave your work tablet on a train while on your way to a client’s school, and it’s never recovered

Read more about business and office equipment insurance

Tools insurance

In case your tools are lost, stolen or damaged.

What’s typically covered by tools insurance?

  • loss, damage, or theft of your trade tools and specialist professional equipment

For example:

  • your instrument repair and maintenance kit is stolen from the front seat of your locked car, while you’re parked outside a client’s house

Read more about tools insurance

Legal expenses insurance

In case you face legal costs in connection with your music teaching business.

What’s typically covered by legal expenses insurance?

  • legal costs attributed to your music teaching 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 professional reputation

For example:

  • HMRC begin an investigation into your tax payments, and you need to pay for legal representation
  • you bring a claim against a hired space when your guitar is damaged by their staff, and need to recover legal costs

Read more about legal expenses insurance

Personal accident insurance

In case anyone you’ve covered is accidentally injured, at work or elsewhere.

What’s typically covered by personal accident insurance?

  • accidental injury or death at or outside of work, for anyone covered on the policy
  • lost income, medical costs, and hospitalisation benefit

For example:

  • you break your arm while swimming, and can’t work at full capacity for eight weeks
  • an employee slips on some loose sheet music, and needs time off for a back injury

Read more about personal accident insurance

This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions

How much does music teacher insurance 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 £2.86 per month

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

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How we work out example prices We take the highest price from the bottom 10 per cent of all our customers paying in monthly instalments (based on data from 1 September 2021 - 28th February 2022). Most customers pay more than this but some pay less.

Example music teacher insurance quotes, real prices

£8.83 /month

£68.25 /month

A part time music teacher working in clients' homes

  • 1-2 years' experience
  • Sole trader
  • No employees
  • Based in Leeds

Public liability

Not included


Employers’ liability

Not included


Professional indemnity

£50,000

£12.58 /month

£105.83 /month

A family run music teacher ltd company that rent space to teach

  • 5+ years' experience
  • Limited company
  • 1 employee
  • Based in Luton

Public liability

£1,000,000


Employers’ liability

£10,000,000


Professional indemnity

£100,000

How we work out example quotes These examples are real quotes from our online system (created 16/08/2021). 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 coverLowest excessHighest excess
Professional indemnityNo excess£2500
Public liability£200£750
Contents£100£750
Portable equipment£100£500
Employers liabilityNo excessNo 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

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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.

Can I just cover my most expensive tools?

Make sure you cover the total cost of replacing all your tools or you’ll only get a proportion of your claim paid out if something happens to them. Learn about tool cover.

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.

Will tools insurance cover all my equipment?

Depending on what you use to do your work, you may need other covers.

You may need more than tools insurance – for example, business equipment insurance if you have a work laptop, plant insurance if you use machinery.

Does music teacher 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 artist 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.


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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

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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.

£28 million in claims paid out in 2021

Paying 80% of settled claims within 24 hours in 2021

Example claim

Having music teacher insurance through Simply Business has saved professionals thousands of pounds when the unexpected happened.

Katie saved more than £1,200

Katie (not her real name) was working at a concert event when the laptop she uses for work was stolen from her locked car. The business and office equipment cover she’d added to her private music teacher insurance policy covered the replacement cost.

Insurance payout

£1,273.99

Covering the cost of theft


Katie’s costs

£100

The excess amount stated in Katie’s policy terms

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Music teacher 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 public liability insurance for music teachers, and other popular covers. You can also check out our business insurance FAQs.

  • This depends on your business, the students and organisations you’re working with, and the spaces you teach in. There’s no legal requirement to have public liability insurance in place, but many venues won’t work with you unless you do, usually at a specified level. And in your own home, if a third party (like your student) held you responsible for an injury or property damage, liability insurance for music teachers can help cover the cost.

    Alongside music teacher public liability insurance, you may choose to add cover for things like professional indemnity risks, plus your instruments, kit, and equipment. And if you employ anyone (including trainees), employers’ liability cover is usually a legal requirement.

  • Even if it’s you, a student, and a piano, in your living room every day, your home-based business brings its own risks – to you and your students, as well as parents and employees, if you have any, and anyone visiting you at home.

    Public liability insurance for music teachers can cover you if someone makes a claim against you for injury or damage. For example, one of your students might slip on your wet hallway floor on a rainy day, causing ongoing back pain.

    You can also add business and office equipment insurance, for your essential kit and instruments, plus employers’ liability cover, which is usually a legal requirement if anyone is directly working for you.

  • 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 043 8527 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.

  • 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

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