Teachers insurance
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Rated 4.7/5
Based on 39,283 reviews
Claims paid in 24 hours
For 80% of settled claims
Why do you need teachers insurance?
Teaching insurance can protect you against the cost of accidents at work. You might not be able to stop them from happening, but you can make sure you're protected. Whether you need to protect yourself, your students, or your staff, teachers' insurance can provide peace of mind.
- it can protect you if a student damages your property
- it can mean you're prepared for the unexpected if a student takes legal action against you
- you can be covered if any teaching materials are lost or stolen
What does teachers insurance cover?
You know teaching best – that's why we make sure you're in control of your cover. Whether you want to protect yourself against injury in the classroom or damage to your teaching materials, we've got a range of covers for you to pick from.
Public liability insurance for teachers
In case you or your employees injure someone or damage their property.
Employers’ liability insurance
In case an employee gets sick or injured while working for you.
Professional indemnity insurance
In case a client loses money because of your advice, services or designs.
Stock insurance
In case materials you're responsible for, like textbooks, are lost, stolen, or damaged.
Business and office equipment insurance
In case your teaching materials are damaged or stolen.
Legal expenses insurance
In case you’re faced with legal costs from running your business.
Personal accident insurance
In case anyone you’ve covered is accidentally injured, at or outside of work.
Public liability insurance for teachers
In case you or your employees injure someone or damage their property.
What’s typically covered by public liability insurance?
Legal costs and compensation payouts that result from claims brought against your business for:
- injury caused by you or an employee
- damage to property – either yours or someone else's
- property damage caused by an employee of yours, such as a teaching assistant
For example:
- a student trips over and injures themselves in your classroom
- you accidentally spill your drink over your student's laptop
- your employee breaks your student's iPad
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?
Legal expenses and compensation costs relating to claims made against your business, including:
- an employee of yours injuring 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:
- a teaching assistant injures themselves while unpacking some boxes
Professional indemnity insurance
In case a client loses money because of your advice, services or designs.
What’s typically covered by teacher professional indemnity insurance?
Legal expenses and compensation costs relating to claims made against your business, including:
- professional negligence
- advice that you give as part of your work
For example:
- you don't cover the full syllabus during a course
- a student claims that you've taught something incorrectly
Read more about professional indemnity insurance
Stock insurance
In case materials you're responsible for, like textbooks, are lost, stolen, or damaged.
What’s typically covered by stock insurance?
- teaching materials that you sell on to your students
For example:
- a textbook is damaged in a fire
Read more about stock insurance
Business and office equipment insurance
In case your teaching materials are damaged or stolen.
What’s typically covered by business and office equipment insurance?
- teaching materials, such as books
- laptops, printers and projectors
For example:
- your laptop is stolen from your classroom
- your books are damaged in a fire
What you’ll need additional cover for:
- larger items that aren't 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 business and office equipment insurance
Legal expenses insurance
In case you’re faced with legal costs from running your business.
What’s typically covered by legal expenses insurance?
- legal costs associated with the day-to-day running of your business
- tax and compliance disputes that might come up
For example:
- you're taken to court after dismissing an employee
- you and your fellow company directors are investigated by HMRC
Read more about legal expenses insurance
Personal accident insurance
In case anyone you’ve covered is accidentally injured, at or outside of work.
What’s typically covered by personal accident insurance?
- the injury or death of anyone you've chosen to cover – whether this happens at work or not
- lost income, hospital bills, or other medical costs associated with the accident
For example:
- an employee breaks their ankle running to work
- you trip over a cable and break your arm
Read more about personal accident insurance
How much does teachers' 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.
Get your tailored quotes in 7 minutes
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 teachers insurance quotes, real prices
£19.54 /month
£173.66 /year
A private tutor working on residential and commercial locations
- 5+ years' experience
- Sole trader
- No employees
- Based in Oxford
Public liability
£1,000,000
Employers’ liability
Not included
Professional indemnity
£250,000
£78.66 /month
£699.24 /year
A tutor company working on residential and commercial locations
- 5+ years' experience
- Limited company
- 1 employee
- Based in Oxford
Public liability insurance
£5,000,000
Employers' liability
£10,000,000
Professional indemnity
£2,000,000
How we work out example quotes These examples are real quotes from our online system (created 27 August 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 |
|---|---|---|
| Professional indemnity | No excess | £2500 |
| Public liability | £200 | £750 |
| Contents | £100 | £750 |
| Portable equipment | £100 | £500 |
| Employers liability | No excess | No excess |
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 teachers' 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 teachers' 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 insurance for working with children?
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 cover – £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
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 team 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 teacher insurance through Simply Business has saved teachers thousands of pounds when the unexpected happened.
Patty saved more than £1,174
Patty (not her real name) was in a student's house demonstrating a science experiment using dry ice. It caused a crack in a marble table which couldn't be fixed. Luckily, Patty's insurance meant she was covered.
Insurance payout
£1,174.25
Covering the cost of the damage
Patty's costs
£100
The excess amount stated in Patty’s policy terms
Chosen by 800,000 small businesses
We started out as a team of five back in 2005. We’ve grown since then with 800,000 customers across 1,500 trades now trusting us to provide their business insurance.
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Rated 4.7/5
Based on 39,283 reviews
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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 teachers' insurance. You can also check out our business insurance FAQs.
As a teacher, you're legally required to have employers' liability insurance if you have people working for you – such as teaching assistants. Employers' liability insurance covers you if someone who works for you has an accident or damages someone's property.
Although other types of teachers' insurance are not required by law, there are some covers you should consider – including contents, stock, and public liability insurance.
You can still get cover if your work is based outside of the UK, or if you teach remotely.
When you buy your policy with us, we'll ask you where your work is based – you'll just need to let us know at this stage. If you don't, there is a chance that you won't be covered by your insurance.
Yes. It’s important to make sure you have the right type and level of insurance for the different types of work you do. For example, if you're a teacher you might also work in a nursery – you’ll need additional cover for this, but you can have it all on the one policy.
When you start your quote, you’ll have the option to add another trade or profession to your policy. If you need to add a third trade, give us a call on 0333 0146 683 and one of our insurance experts will help you set up your policy in minutes.
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 offers 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.
If you change your business legal structure from sole trader to limited company mid-way through your policy, give us a call straight away on 0333 0146 683. It’ll only take us a few minutes to cancel your existing policy and replace it with one that correctly covers your new legal structure. It’s worth bearing in mind that your insurer and premium amount may need to change.
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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