Teachers insurance

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Teacher asking students questions

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.


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 £4.74 per month

Get your tailored quotes in 7 minutes

Example teachers insurance quotes, real prices

chiswell insurance
chiswell insurance

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

Pick what goes into your policy

Get prices from a range of insurers

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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.

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

0333 043 8527

Online

Contact us on our website whenever suits you

Phone

Call our insurance experts during office hours (calls are charged at a local rate)

FAQs

Find answers to common insurance questions

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.

£51 million in claims paid out in 2023

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.

Chosen by nearly 1 million small businesses and landlords

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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