Aug 23 2007, 10:01 AM
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!!
Aug 23 2007, 10:36 AM
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 Â£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.
Aug 23 2007, 02:46 PM
If you're a piano teacher then EPTA also provides its members with public liability insurance.
Aug 23 2007, 03:33 PM
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.
Aug 23 2007, 05:27 PM
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!
Aug 31 2007, 10:50 AM
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.
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