Teachers insurance

Why is teachers’ insurance important?

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.

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.

• What insurance do I need to teach?

  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.

• Am I covered if I teach students abroad?

  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.

• Can I add cover for a different trade or profession to my insurance policy?

  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.

• What’s the difference between paying by direct debit and paying in one lump sum?

  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.

• Will changing from sole trader to limited company affect my insurance policy?

  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.

• Does public liability insurance cover my business for the actions of my employees?

  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 take professional advice. Read our full disclaimer