Teachers, Tutors, and Coaches | Professional Indemnity Insurance
Specialist professional indemnity (PI) insurance from Blyth Valley will protect your financial interests and your reputation against claims made against you in the course of your work.
Why you need PI
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.
Quote and buy online
Hiscox's SP policy is ideal for teachers, and is available to buy online from this website. Before buying, please have a read through the policy wording and summary of cover.
Ready to buy? Get quote now
If you wish to discuss your business insurance needs or would like more information, please call us on 0845 370 9030 between 9 and 5.30, Monday to Friday.