Steven Harrison
Contact Centre Team Leader
Steve has worked at Morton Michel for almost 6 years and oversees our specialist tutor insurance team. He prides himself on putting our customers at the heart of what we do.
Specialist individual tutor insurance for The Tutors' Association members
As a tutoring professional and a valued member of The Tutors’ Association (TTA), having the right insurance reflects your dedication to maintaining high standards in your profession. It demonstrates your commitment to safeguarding your work, your students, and your reputation - key pillars of your professionalism and TTA membership.
Morton Michel is a proud partner of the TTA and provides tailored insurance solutions that can protect tutoring professionals, allowing them to focus on delivering effective tuition and educational support.
Morton Michel Discount
We are thrilled to work with The Tutors' Association to offer their members a 10% discount on your insurance premium.
To access your discount, or if you have any questions about our specialist tutor policy, please call our friendly team on 0345 450 7251.
Specialist tutor insurance
Do you provide tutor services from home?
Our flexible home tutor insurance policy provides the following core cover:
Public and Products Liability
Public and Products Liability covers your business if you or your employees are held legally liable for accidental injury to clients, customers or the public, or for damage to their property as a result of your business's activities or products.
You will not be covered for bodily injury to employees, fines, penalties and punitive awards, and sports involving weapons. You must follow all relevant statutory requirements and take all reasonable precautions to prevent a loss.
Professional Indemnity
Professional Indemnity insurance is designed to protect you if a client or customer of yours loses money because of advice or services you've offered in connection with your business.
You will not be covered for claims or circumstances that you are aware of or that have been or should have been reported to a previous policy, bodily injury or property damage other than as provided for under Loss of or Damage to Documents.
Legal Expenses
Legal Expenses is a way to help your business get access to legal support when you need it. It covers the costs of a legal dispute either made by or against you. It also provides a range of helplines for expert advice on business related legal and tax matters including employment law disputes.
You will not be covered for any claim with a less than 50% prospect of success, legal costs and expenses incurred without the insurers consent and claims not notified in a reasonable time. Helplines are subject to fair and reasonable use.
Property Damage
Property Damage provides cover for items of property detailed in the quotation, such as buildings and contents for accidental loss, destruction, or damage.
You will not be covered for non-physical damage or items you have chosen not to insure, theft of property in the open, loss, destruction or damage caused by wind, rain, hail, sleet, snow, flood, dust or falling trees to moveable property in the open.
You can view the Tutor policy summary guide here for details of the significant policy benefits, conditions and limits. Full terms and conditions of our Tutor policy can be found in the policy wording.
Want to extend your cover?
Optional sections of cover you can choose, at an additional cost, when purchasing your Morton Michel home tutor insurance include:
contact us-
Employers' Liability covers the cost of compensating employees who are injured at or become ill through work due to employers’ negligence. You must take all reasonable precautions and comply with all relevant statutory requirements and you are not covered for fines penalties and punitive awards.
- Personal Accident cover provides compensation for an insured person aged under 75 years old should they sustain accidental bodily injury arising out of an insured event, resulting in death, loss of limb, loss of sight, hearing or speech or permanent or temporary total disablement. You will not be covered for any pre-existing physical or mental disability, infirmity, medical condition, chronic or recurring ailment, intentional self-injury, suicide or attempted suicide or injury whilst being under the influence of intoxicating liquor or drugs.
Specialist education and training insurance
Do you provide tutor services from a school or education setting?
Our Education and Training insurance policy provides cover for those that offer tutoring services in a school and includes the following core cover:
Public and Products Liability
Public and Products Liability covers your business if you or your employees are held legally liable for accidental injury to clients, customers or the public, or for damage to their property as a result of your business's activities or products.
You will not be covered for bodily injury to employees, fines, penalties and punitive awards, and sports involving weapons. You must follow all relevant statutory requirements and take all reasonable precautions to prevent a loss.
Professional Indemnity
Professional Indemnity insurance is designed to protect you if a client or customer of yours loses money because of advice or services you've offered in connection with your business.
You will not be covered for claims or circumstances that you are aware of or that have been or should have been reported to a previous policy, bodily injury or property damage other than as provided for under Loss of or Damage to Documents.
Legal Expenses
Legal Expenses is a way to help your business get access to legal support when you need it. It covers the costs of a legal dispute either made by or against you. It also provides a range of helplines for expert advice on business related legal and tax matters including employment law disputes.
You will not be covered for any claim with a less than 50% prospect of success, legal costs and expenses incurred without the insurers consent and claims not notified in a reasonable time. Helplines are subject to fair and reasonable use.
Employers' Liability
Employers' Liability covers the cost of compensating employees who are injured at or become ill through work due to employers’ negligence.
You must take all reasonable precautions and comply with all relevant statutory requirements and you are not covered for fines penalties and punitive awards.
You can view the Education and Training policy summary guide here for details of the significant policy benefits, conditions and limits. Full terms and conditions of our Education and Training policy can be found in the policy wording.
Want to extend your cover?
Optional sections of cover you can choose, at an additional cost, when purchasing your Morton Michel Education and Training insurance include:
Contact us- Business Interruption covers you for loss of income during periods when you cannot carry out business as usual due to an unexpected event. You will not be covered for loss caused by damage excluded by the Property Damage section and if your interest in the business ceases other than by death or the business is wound up, insolvent or permanently discontinued.
- Personal Accident cover provides compensation for an insured person aged under 75 years old should they sustain accidental bodily injury arising out of an insured event, resulting in death, loss of limb, loss of sight, hearing or speech or permanent or temporary total disablement. You will not be covered for any pre-existing physical or mental disability, infirmity, medical condition, chronic or recurring ailment, intentional self-injury, suicide or attempted suicide or injury whilst being under the influence of intoxicating liquor or drugs.
- Portable Equipment insurance provides cover for your portable business equipment against accidental loss or damage. You will not be covered for damage by theft or attempted theft from any unattended building which does not involve forcible and violent entry to or exit and damage by theft or attempted theft from any unattended vehicle overnight, during the hours of 9pm and 6am or after the completion of any working day of the driver other than as just described to you.
Additional Benefits for Tutors
In addition to the core cover you would expect with your Tutor insurance, we offer a range of value-added benefits to support you and your business, including:
You will receive access to over 100 RoSPA accredited and CPD-certified online training courses from flick learning including Child Safeguarding Level 3, E-Safety and Mental Health Awareness.
Employee Benefits
Free access to a wide range of market-leading retail discounts for you and your family.
Legal Helpline
ARAG plc provides expert advice on a range of business-related legal and tax matters including employment and law disputes. Helplines are subject to fair and reasonable use and will only incur the cost of the call (unless otherwise stated).
Tax Helpline
Your query will be dealt with by a qualified specialist experienced in handling tax-related matters. This service is provided by ARAG and is available Monday to Friday from 9am - 5pm. Helplines are subject to fair and reasonable use and will only incur the cost of the call (unless otherwise stated).
Legal Document Centre
ARAG Business Legal Service is a free, user-friendly legal document portal with secure access to a repository of 100s of legal documents, simplifying the document management process and legal compliance.
Counselling Service
Access to a confidential mental health counselling helpline through ARAG, operated by trained counsellors 24 hours a day, 7 days a week. Helplines are subject to fair and reasonable use and will only incur the cost of the call (unless otherwise stated).
You will receive automatic entry to our ChildCare Club; a hub of additional discounts and benefits designed to support you and your business.
Morton Michel ChildCare Club, including flick learning, and the Employee Benefits Portal are provided as extra benefits and do not form part of our FCA regulated products and may be changed or withdrawn at any time.
Introduction to the Morton Michel Team
Nicola Derwin
Business Development Executive
Nicola takes pride in delivering exceptional customer service. She is passionate about working closely with her clients to build lasting connections and to provide tailor made insurance solutions to suit their unique needs.
Some of your most frequently asked questions
What is Employers' Liability insurance?
Do you have employees or volunteers?
Our Education and Training policy includes Employers' liability insurance. If you employ anyone you are required by law to take out Employers' Liability cover. It is like Public Liability insurance but relates specifically to employees. Recent claims examples have included an employee injured when a cupboard fell off the wall; and an employee injured following a fall from a ladder. This section of cover also extends to cover voluntary workers.
What is Legal Expenses Insurance?
This section provides cover for legal costs and expenses following an insured event. The insured events and additional services are listed below. Cover is provided for any valid claim made during the period of membership.
- Online Legal Services - A service for downloading and building legal documents.
- Legal Advice Helpline - Available 24/7 for commercial issues within EU law.
- Tax Advice Helpline - Available 9am -5pm on weekdays (except bank holidays) for commercial issues within EU law.
- Counselling Helpline - Counselling Assistance for you and your employees (including family members permanently living with them) needing confidential help and advice.
- Employment Disputes & Compensation - employment or related legal rights. Includes TUPE.
- Redundancy Assistance - If you are planning redundancies and need extra legal support available 9am and 5pm on weekdays (except bank holidays).
- Restrictive Covenants - Both pursuit & defence for alleged breach of restrictive covenant.
- Tax Disputes - A formal enquiry into your personal or business tax affairs.
- Property Disputes - Disputes relating to property following damage, nuisance or trespass.
- Identity Theft Resolution Service - This service is available to the principal, executive officers, directors and partners of your business and to self-employed professionals, between 9am and 5pm on weekdays (except bank holidays).
- Criminal Investigation - Work related and motoring prosecutions, civil proceedings, Investigatory and disciplinary hearings by professional bodies.
- Compliance & Regulation - Appeal against a statutory notice issued against the insured’s business, or defence of a civil action brought under The Data Protection Act.
- Statutory Licence Appeals - An appeal against a decision to alter, suspend, revoke or refusal to renew a statutory licence or registration.
- Loss of Earnings (Attendance expenses / Jury Service).
- Personal Injury Defence.
- Executive Suite - A suite of covers to protect the principal, executive officers, directors and partners of your business. This includes, HMRC enquiry into personal tax affairs, personal motor prosecution, personal identity theft, mediation to resolve a partnership agreement and personal crisis communications.
- Contract & Debt Recovery - arising out of an agreement for selling or hiring goods or services.
- Crisis Communication - Expert advice and helpline to help manage communication in times of crisis.
You will not be covered for:
- Any claim with less than a 50% prospect of a successful award in your favour
- Legal costs and expenses incurred without the insurers consent
- Claims not notified within a reasonable time
- Parking offences
Please note Helplines are subject to a fair and reasonable use and will only incur the cost of the call (unless otherwise stated).
For full detail of the policy terms, conditions and exclusions, please refer to the Policy Wording click here
The following are commonly asked questions and do not provide the full detail of the policy cover. You must always refer to the Policy Schedule and Policy Wording
If you have any further questions, please call Morton Michell on 0330 058 9861.
What is Professional Indemnity Insurance?
Public Liability insurance provides cover following injury or property damage (as above). Professional Indemnity insurance covers you if a Third Party suffers financial losses that are considered, by law, to have been caused by a negligent breach of your professional duty. This type of cover will respond to any claim made by a Third Party, during the period of insurance as opposed to when the breach occurred.
What is Public Liability Insurance?
Public Liability insurance covers you for damages and legal defence costs for Third-Party property damage or Third-Party injury (or death) that is considered, by law, to have been caused by your negligence. A ‘Third Party’ is anyone that is not the business or its employees. Therefore, minded children and general members of the public would be ‘Third Parties’. This section of cover will not provide for property that is in your custody & control except hired / leased / rented premises. This type of cover will respond to insured incidents that occur during the period of insurance.