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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.
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
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.
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.
Professional indemnity insurance
In case a client loses money because of your advice, services or designs.
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:
For example:
Read more about public 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:
**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 materials you're responsible for, like textbooks, are lost, stolen, or damaged.
What’s typically covered by stock insurance?
For example:
Read more about stock insurance
In case your teaching materials are damaged or stolen.
What’s typically covered by business and office equipment insurance?
For example:
What you’ll need additional cover for:
Read more about business and office equipment insurance
In case you’re faced with legal costs from running your business.
What’s typically covered by legal expenses insurance?
For example:
Read more about legal expenses insurance
In case anyone you’ve covered is accidentally injured, at or outside of work.
What’s typically covered by personal accident insurance?
For example:
Read more about personal accident insurance
In case a client loses money because of your advice, services or designs.
What’s typically covered by professional indemnity insurance?
Legal expenses and compensation costs relating to claims made against your business, including:
For example:
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.
£19.54 /month
£173.66 /year
A private tutor working on residential and commercial locations
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
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.
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.
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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 teachers' 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 private tutor insurance or insurance for working with children?
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 cover – £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 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.
Paying 80% of settled claims within 24 hours in 2019
Having teacher insurance through Simply Business has saved teachers thousands of pounds when the unexpected happened.
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.
£1,174.25
Covering the cost of the damage
£100
The excess amount stated in Patty’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 teachers' 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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