I'm going to start teaching next month, I've been told I will need to get liability cover in case a pupil has an accident and injure themselves during a lesson in my home. Where do you get this kind of insurance from? I am also going to do home visits - Is there any particular insurance that will cover me for that too?

Any feedback or advice on this issue is very much appreciated!!

Thanks!!

Both the ISM (www.ism.org) and the Musicians Union (www.musiciansunion.org.uk) offer public liability insurance for their members. The ISM insures full members for up to £10 million against (quoted from them): "liability for bodily injury, illness or disease of any third party arising out of the activities of a member, and loss or damage to material property not belonging to the member". I'm not sure about the MU but I expect it's something similar.

If you're a piano teacher then EPTA also provides its members with public liability insurance.

Sorry to complicate things, but you need to consider your contents insurance too! Some companies will not cover you when they know you are running a business from home.

Thanks for your comments so far

I will check my contents insurance out - never thought of that one

I will be teaching piano. I just hope it works out and that I will get some pupils - I've wanted to teach for such a long time and have only just had the opportunity to start doing it!

I had to change my house insurance company as they would not coverthe contents if I taught pupils at home. It took a while to find one which would quote at a reasonable rate, in the end I went with barclays which was not much more expensive than normal. However, if the pupils nick things I am not covered, only if a "forcible entry" is made.