Do I need tutor insurance?

As a professional tutor, you dedicate your time and expertise to helping students succeed, but have you ever stopped to think about the risks and liabilities that come with your work? If you’ve ever wondered whether you need insurance, you’re not alone. Here are some of the most common statements we hear from tutors and why it’s worth having insurance cover.

I teach online

While teaching online may seem risk-free, potential issues such as accusations of professional negligence, or equipment damage can arise. Insurance can provide a safety net to protect you from these risks.

I only work a couple of hours per week

Even part-time tutors face the same potential liabilities as full-time professionals. Whether it’s a claim of poor advice or an accidental injury during an in-person session, insurance ensures you’re protected, no matter how often you work.

I deliver my sessions at schools, coffee shops, or another location

Tutoring at external venues doesn’t automatically protect you. Accidents or incidents at these locations could still result in claims against you. Public Liability insurance ensures you’re protected wherever you teach.

I work for a tuition business or agency

It’s a common misconception that working for a tuition company automatically means you’re covered. Always check if the company’s policy includes you as an individual tutor. If not, you may need your own coverage.

I’m based the UK but teach abroad online

If your students are based overseas, your insurance must cover international activities. Some policies may exclude this, so it’s crucial to confirm with your provider.

What am I insuring as a private tutor?

If you’re offering private tuition, insurance helps safeguard you and your business from potential risks. Here’s what tutor insurance typically covers:

• Public Liability: Protects you if a student or third party suffers an injury or property damage during a lesson.
• Professional Indemnity: Covers claims of negligence, errors, or omissions in your teaching or advice.
• Legal Expenses: Provides support for disputes, such as contract issues or claims against you.
• Business Equipment: Protects essential tools like laptops or teaching aids from damage or theft.

^{All insurance policies will have their own terms, conditions and exclusions so you should always check the specific cover a policy provides.}

Tips for purchasing or renewing tutor insurance

When it comes to selecting the right policy, here’s what to keep in mind:

1. Review cover options and limits: Confirm that the policy covers all aspects of your work and provides sufficient limits for each.
2. Tailor your policy: Make sure the policy is suitable for your specific business activities, such as online or tutoring online abroad.
3. Are there additional benefits? Some policies include extras like legal helplines, or online training.

Peace of mind for your business

Investing in insurance is about more than just ticking a box. It’s about protecting yourself, your business, and your reputation. With the right insurance cover in place, you can focus on what you do best—helping students achieve their goals, while knowing you’re prepared for whatever comes your way.

If you’re a tutor and still unsure about what insurance you need, speak to Morton Michel to explore your options.