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If you’re a full-time teacher in a nursery school, primary school or high school you should be covered by the school’s own public liability insurance policy, which means if a pupil is injured in your classroom or their property is damaged in some way the school’s insurance policy should cover you against lawsuits or compensation claims.
However, the situation is a little different if you’re a private teacher who holds classes in your own home, or you hire a building in which to hold classes. In that case it might be a good idea to take out a public liability insurance policy for teachers, because otherwise you’d be required to cover any compensation pay-outs and legal fees yourself if one of your pupils was injured and you were held liable.
Similarly, if you visit pupils to tutor them in their own home, or you hold tutoring sessions on a one-to-one or group basis, teacher liability insurance could help cover you if someone gets injured by your equipment or their property is damaged.
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What is public liability insurance for teachers?
Public liability insurance for teachers covers them if a pupil, parent or other visitor to their home or rented premises is injured or their property is damaged and it is alleged that the issue happened due to negligence on the teacher’s part.
For instance, if a student or parent tripped and hurt themselves while they were in your home and they held you liable you would be covered for the resulting the legal costs, as well as any compensation the courts award to them – provided you have the right teachers insurance at the time of the accident, of course.
Is teacher insurance mandatory in the UK?
No, insurance for teachers is entirely optional in the UK, and in fact most teachers who are employed by a school don’t need this type of public liability insurance policy themselves because if something goes wrong they’ll usually be covered by their school’s own public liability and/or personal injury insurance.
Most schools do have this type of insurance in place, since schools face a higher risk of injuries, damage to property and other incidents than many other establishments.
However if you are a private teacher or tutor and therefore aren’t covered by a school’s public liability insurance it might be a very wise idea to invest in a private teacher insurance policy. Even though this isn’t mandatory, it could offer you suitable protection against liability claims in exchange for a relatively cheap premium.
How much does teachers’ insurance cost?
Insurance providers use a wide range of variables when calculating the premium for your teacher insurance, many of which are unique to the policyholder, so it’s almost impossible to indicate how much a public liability insurance policy is likely to cost a particular teacher without comparing real quotes.
For instance, your location, the location of the premises where you hold your classes, the level of coverage you’d like, whether or not you’ve claimed on a public liability insurance policy in the past and whether or not you’d like to bundle other types of cover into your teacher insurance policy will all affect the premiums you’re quoted.
The best plan is to use Quotezone.co.uk’s teacher insurance comparison service to compare quotes from a range of different providers, and then go with the one that offers the best policy at the most competitive price.
What other types of insurance can I bundle with a teacher insurance policy?
Public liability insurance for teachers is the core element of your teacher insurance policy, and can help to cover the cost of legal fees and compensation claims if a self-employed teacher or tutor is held liable when a student is injured or their belongings are damaged.
However, it is possible to bundle other types of insurance with your public liability cover to ensure your teacher insurance offers you all the protection you need. Some of the add-ons you can bundle with your liability cover include:
- Professional indemnity insurance: Covers you if you are held liable because advice or expertise you provided resulted in some kind of loss for the individual or group you were advising. For example, if you were helping a student with their entrance exam for a school or university and you misadvised them of the procedure or the deadline, professional indemnity insurance could cover you if the student decided to sue you for damages.
- Product liability insurance: This type of insurance is probably less applicable to teachers, but if you do sell products to your students before or during your classes (musical instruments, for example, if you are a music teacher, or computing equipment if you are an IT tutor) and a fault with one of those products injuries a pupil this type of insurance could cover the resulting legal fees and compensation claims.
Employers’ liability insurance: Many private teachers and tutors are self-employed, so they won’t need to consider bundling employers’ liability insurance with their public liability insurance for teachers unless they have employees. If you do employ teaching assistants, nursery assistants or other permanent staff, though, employers’ liability insurance isn’t just a nice-to-have – it’s a legal requirement in the UK.