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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.
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
In case someone hurts themselves while you’re working with them.
Employers’ liability insurance
In case your employee gets ill or injured.
Contents insurance
In case your teaching materials are damaged or stolen.
Legal expenses insurance
In case you face legal costs while running your business.
Personal accident insurance
In case anyone covered on the policy has an accident.
Professional indemnity insurance
In case you've made a mistake in your work or provided a service that didn't meet the expected standards.
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:
For example:
What you’ll need additional cover for
Read more about public 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:
**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:
In case your teaching materials are damaged or stolen.
What’s typically covered by contents insurance?
For example:
What you’ll need additional cover for
Read more about contents insurance
In case you face legal costs while running your business.
What’s typically covered by legal expenses insurance?
For example:
Read more about legal expenses insurance
In case anyone covered on the policy has an accident.
What’s typically covered by personal accident insurance?
For example:
Read more about personal accident 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 professional indemnity insurance?
Legal costs and compensation payouts from claims brought against your tutoring business for:
For example:
What you’ll need additional cover for
Read more about professional indemnity insurance
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.
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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 October 2019 - 31 March 2020). Most customers pay more than this but some pay less.
£17.75 /month
£157.54 /year
A private tutor working on residential and commercial locations
Public liability insurance
£1,000,000
Employers’ liability insurance
Not included
Professional indemnity
£250,000
£44.45 /month
£395.15 /year
A tutor company working on residential and commercial locations
Public liability insurance
£5,000,000
Employers’ liability insurance
£10,000,000
Professional indemnity
£5,000,000
How we work out example quotes These examples are real quotes from our online system (created 27/08/2020). 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.
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 | £100 | £2500 |
Employers' liability | No excess | No excess |
Tools | £60 | £500 |
Stock | £100 | £500 |
Business and office equipment | £50 | £750 |
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.
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We handle claims, so you can get on with business
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?
Does private tutor insurance cover my work correctly?
Do I need cover for other types of work?
Which public liability cover limit should I choose?
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.
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?
If you provide these services alongside building work, make sure you’re covered:
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.
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 for free
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.
Paying 80% of settled claims within 24 hours in 2019
Having private tutor insurance through Simply Business has saved private tutors thousands of pounds when the unexpected happened.
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.
£1,145
Covering the cost of accidental damage
£100
The excess amount stated in Will’s policy terms
We started out as a team of five back in 2005. We’ve grown since then with 750,000 customers across 1,500 trades now trusting us to provide their business insurance.
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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.
We create this content for general information purposes and it should not be taken as advice. Always take professional advice. Read our full disclaimer
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