The Teachers policy explained...
What's special about this policy?
As a self-employed (non-manual) teacher, working in the education sector, you will probably not be covered by your LEA's insurance.
This means you need the protection of your own Professional Indemnity insurance.
This policy protects you in three ways:
- Against claims for negligence and breach of duty or care.
- From negligent misstatement or negligent misrepresentation.
- Against claims for defamation.
Policy documents
The documents for our online policy are linked below:
Who's it for?
- Self-employed teachers
- Coaches
- Trainers
- Tutors
Why do you need Professional Indemnity Insurance?
You need Professional Indemnity insurance because you are regarded as providing a professional service.
Today, people who use professional services are more likely than ever to blame the professional when things go wrong.
In law, as a professional, you owe a duty of care to the people you work for.
As a teacher, you could be regarded as working for a school, a local educational authority, an agency, as well as students and their parents: a large number of people who could make a claim of negligence against you.
The chance of a claim being made against you is very small, but if a claim was made, you could find it very expensive to defend yourself.
As a self-employed teacher, tutor, or coach, the chances are you will not be covered by your local education authority's (LEA) insurance.
Even if you're fully employed as a teacher during the day, you won't be covered for private tutoring after hours or holiday work, for example. It means that you could be personally liable if a private student sues you for negligence or breach of contract.
Claims example
In order to earn a little extra income, you've taken on some private tutoring work after school.
You've been employed by a family to provide extra tuition for their daughter, who needs a good pass at GCSE maths in order to be accepted onto the college course she's set her heart on.
Twelve weeks of hard work later, you're feeling confident that you've passed on the knowledge and skills she needs. You wish her luck in the next day's exam and say your farewells.
Later that summer you get a letter from your pupil's parents.
Far from thanking you for all your help, it gives notification that they intend to sue you for their daughter's failure to pass her exam.
Thankfully, you have a Professional Indemnity insurance policy that will pay for your legal defence costs and cover any compensation, should you be found liable.
