Private tutor insurance
Join over 900k UK customers (including over 6,300 private tutors like you) – we offer public liability cover from £4.74*
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Rated 4.8/5
Based on 39,800 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.
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Public liability insurance for tutors
In case someone hurts themselves while you’re working with them.
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Employers’ liability insurance
In case your employee gets ill or injured.
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Professional indemnity insurance
In case you’ve made a mistake in your work or provided a service that didn’t meet the expected standards.
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Contents insurance
In case your teaching materials are damaged or stolen.
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Legal expenses insurance
In case you face legal costs while running your business.
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Personal accident insurance
In case anyone covered on the policy has an accident.
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 £4.74 per month
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
Get your tailored quotes in 7 minutes
The price is for up to £2 million of public liability insurance – 10% of customers paid £56.82 or less annually between 1st Jan – 31st May 2024. Equivalent to £4.74 a month (and excludes the extra costs for paying monthly). 76% of customers have a £1 million limit and 24% £2 million. If you complete a quote, more types of cover will be available. These all have additional costs.
Example private tutor insurance quotes, real prices
£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
£1,000,000
Employers’ liability insurance
Not included
Professional indemnity
£250,000
£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
£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 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 | £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
Pick what goes into your policy
Only pay for what you need
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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.
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Which type of workers do I need insurance for?
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Does private tutor insurance cover my work correctly?
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Do I need cover for other types of work?
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Which public liability cover limit should I choose?
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
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.
£51 million in claims paid out in 2023
83% of claims were settled in 2023
The figure above is rounded across our range of products. “Settled” covers paid, declined or withdrawn. Our claims process may vary for different products and operates on a ‘claim by claim’ basis. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 24/04/2024.
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
Insurance payout
Covering the cost of accidental damage
Covering the cost of accidental damage
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
