Private tutor insurance
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Rated 4.7/5
Based on 39,188 reviews
Claims paid in 24 hours
For 80% of settled claims
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
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.
Employers’ liability insurance
In case your employee gets ill or injured.
Professional indemnity insurance
In case you've made a mistake in your work or provided a service that didn't meet the expected standards.
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.
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.
What’s typically covered by legal expenses insurance?
- 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 £3.43 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 July - 31 December 2020). Most customers pay more than this but some pay less.
Example private tutor insurance quotes, real prices
£17.75 /month
£157.54 /year
A private tutor working on residential and commercial locations
- 5+ years' experience
- sole trader
- no employees
- based in Surrey
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
- 5+ years' experience
- limited company
- 3 employees
- based in Surrey
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.
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 | £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.
How it works
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We handle claims, so you can get on with business
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?
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?
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 these services alongside building work, 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 - 05.00pm, Sat 09.00am - 02.00pm
Call our team
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.
£30 million in claims paid out in 2019
Paying 80% of settled claims within 24 hours in 2019
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
£1,145
Covering the cost of accidental damage
Will’s costs
£100
The excess amount stated in Will’s policy terms
Chosen by 800,000 small businesses
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Rated 4.7/5
Based on 39,188 reviews
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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.
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
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