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Private tutor insurance

Join over 6,300 private tutors like you with cover from £3.49 per month*

Get tailored quotes in 7 minutes

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Tutor teaching a student

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Rated 4.7/5

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 private tutor insurance?

Your job as a private tutor might be a side business, but you still need insurance. There are many unexpected events you simply can’t plan for, and when working with children or young people, you need to make sure you’re covered.

  • Protect yourself while you teach
  • Prepare for the unexpected so you can keep running your business
  • Cover what you need from legal costs to accidental damage

Start your quote

What does private tutor insurance cover?

As a private tutor, you’re in charge of your work schedule – so make sure you're in control of your insurance too. You'll need to protect yourself in case you cause accidental damage to a student’s home or if your teaching materials are stolen.

Public liability insurance for tutors

In case someone hurts themselves while you’re working with them.

What’s typically covered by public liability insurance?

Legal costs and compensation payouts from claims brought against your business for:

  • damage to someone’s property
  • injury caused by you or your employee

For example:

  • your student trips over some of your books
  • you accidentally damage something in your student's house
  • your employee damages a student's laptop

What you’ll need additional cover for

  • your business equipment such as your laptop or teaching materials

Read more about public liability insurance

Employers’ liability insurance

In case your employee gets ill or injured.

What’s typically covered by employers’ liability insurance?

Legal costs and compensation payouts from claims brought against your business for:

  • your employee injures themselves while working for you

**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:

  • your employee injures themselves while lifting a projector

Professional indemnity insurance

In case you've made a mistake in your work or provided a service that didn't meet the expected standards.

What’s typically covered by private tutor professional indemnity insurance?

Legal costs and compensation payouts from claims brought against your tutoring business for:

  • professional negligence
  • advice you give as part of your work

For example:

  • your student claims you haven’t taught them the right information
  • you don’t cover the full syllabus when you teach

What you’ll need additional cover for

Read more about professional indemnity insurance

Contents insurance

In case your teaching materials are damaged or stolen.

What’s typically covered by contents insurance?

  • teaching materials, such as books
  • laptops, printers and projectors

For example:

  • your laptop is stolen from a student's house
  • your textbooks are damaged in a fire

What you’ll need additional cover for

  • larger items that are not covered by your 'single article' limit. For example, if your policy says that your single article limit is £2,000 and you want to insure your laptop that's valued at £2,500, you'll need to specify this as a single item on your insurance policy.

Read more about contents insurance

Legal expenses insurance

In case you face legal costs while running your business.

  • legal expenses from employee disputes
  • the costs of claims linked to property damage
  • tax and compliance issues that might crop up

For example:

  • you need help with tax enquiries after being investigated by HMRC
  • you’re taken to court after firing an employee

Read more about legal expenses insurance

Personal accident insurance

In case anyone covered on the policy has an accident.

What’s typically covered by personal accident insurance?

  • the injury or death of anyone covered on your policy, inside or outside of work
  • lost income, hospital bills, or other medical costs to do with the accident

For example:

  • you trip over in your student’s home and break your wrist
  • you shut your hand in your car door on your way to work

Read more about personal accident insurance

How much does private tutor 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 £3.49 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 private tutor insurance quotes, real prices

chiswell insurance

£13.82 /month

£118.20 /year

A private tutor working on residential and commercial locations

  • 5+ years' experience
  • sole trader
  • no employees
  • based in Surrey
  • Public liability insurance


  • Employers’ liability insurance

    Not included

  • Professional indemnity


chiswell insurance

£39.10 /month

£347.54 /year

A tutor company working on residential and commercial locations

  • 5+ years' experience
  • limited company
  • 3 employees
  • based in Surrey
  • Public liability insurance


  • Employers’ liability insurance


  • Professional indemnity


How we work out example quotes These examples are real quotes from our online system (created 21/02/2022). 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



You'll get a complete breakdown of the excesses for each quote when you compare with us. 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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Compare policies from a range of trusted insurers

Buy online or over the phone in minutes

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.

Is public liability enough for third party property damage?

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 private tutor 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 Teachers 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.

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 private tutor insurance through Simply Business has saved private tutors thousands of pounds when the unexpected happened.

Will saved more than £1,000

Will (not his real name) spilt milk on his laptop, and it stopped working. He needed his laptop urgently, as he was expected to teach the next day. Luckily, he was insured so he didn't have to pay the full cost of the repair.

  • Insurance payout


    Covering the cost of accidental damage

  • Will’s costs


    The excess amount stated in Will’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

  • 24/7 claims

    Make a claim any time

Private tutor insurance FAQ

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 private tutor insurance. You can also check out our business insurance FAQs.

  • If you have people working for you, you’re required by law to have employers’ liability insurance. Without it, you could be fined up to £2,500 a day for each employee.

    While you may not be required by law to have other types of insurance, it’s important to protect your tutoring business. You should also protect yourself, your students, and anyone else working with you or around you.

    Two types of tutor insurance you should consider are:

    • public liability insurance
    • professional indemnity insurance
  • Yes, you can make changes to your policy at any time.

    You'll need to pay a £15 administration fee if you need to make a change to your policy after the 14-day 'cooling off' period. it’s important to know that it could also have an effect on your insurance premium, depending on what the change is.

  • The only insurance for tutors that's a legal requirement is employers’ liability insurance – and that's only necessary if you employ someone.

    Although no other type of insurance is required by law, it’s important you consider other types of insurance to protect you from unforeseen costs. If you make a mistake and teach your student the incorrect information, or you or your student hurt yourselves while you’re teaching, you’ll want to be covered.

  • Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.

  • 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 installments.

  • 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 private tutors

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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