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Insurance for Music Teachers is designed to cover music teachers for a range of incidents. Policies can be structured to protect music teachers against a number of scenarios.
Whether music teachers work for an employer or are self-employed, they can protect their business against unexpected events thanks to music teachers' insurance. Having music teachers' insurance can cover music teachers in the event of incidents such as a pupil injuring themselves when playing an instrument. This would include cover for legal fees associated with a court case. Music teachers' insurance could also cover you against awards made in a court case ensued, as well as the cost of [removed the word any] time off work which you have to take in order to defend yourself.
We can help you find the music teachers' insurance policy that suits your business needs, allowing you peace of mind and letting you concentrate on doing the job you love.
If you teach music you can ensure that you are covered for a wide range of unexpected scenarios with music teachers' insurance. You can also obtain cover for cases where a pupil or pupil's parents contend that you have not done your job properly - this could be related to an alleged lack of preparation for an exam or the missing of a section from the syllabus.
There are some employers of music teachers, such as local authorities or education institutions, which may require you to have some form of music teachers' insurance, including public liability insurance. Even if you are self-employed, you might choose to protect yourself ahead of teaching or performing by taking out music teachers' insurance.
Music teachers' insurance can include a range of different types of cover, depending on the type of package which is arranged. Types of cover included in music teachers' insurance can include:
Public liability insurance. This can protect you in the event that a pupil becomes injured during one of your lessons. It can help you with legal costs associated with claims which arise, as well as compensation due. Public liability insurance can also be seen as a way that teachers can demonstrate their professionalism and reassure clients.
Professional indemnity insurance, which can protect music teachers in the event that they are accused of not carrying out their job properly. This can apply if a pupil feels they were underprepared for an exam due to a teacher's lack of direction, or that part of the syllabus has been missed. Professional Indemnity Insurance can protect your reputation and livelihood as a music teacher.
The normal limits are £1m, £2m or £5m. This can be extended up to £10m or more if required.
As an employer in the UK, you’ll need to protect yourself and your company against claims of negligence brought by an employee. It’s a legal requirement for you to take out employers liability insurance cover to insure against liability for injury or disease to your employees arising out of them working for you.
Before insurers quote you a premium for your contractors' all risk policy, they will first consider a number of factors in order to determine what kind of risk you are.
Such factors will include the scope, value, location and duration of the work you will be undertaking.
