Music teacher insurance
Join over 900k UK customers (including music teachers like you) – we offer public liability cover from £4.74*
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Rated 4.8/5
Based on 39,800 reviews
Claims paid in 24 hours
For 80% of settled claims
Insurance for music teachers – why is it important?
At your own piano or out and about with students – wherever music takes you, accidents, unexpected crises, and even contract disputes can be expensive to fix. Music teachers’ insurance is an important backstop for thousands of instructors, providing public liability cover, professional indemnity protection, and other options like tools and equipment, legal expenses, and personal accident cover.
- liability insurance for music teachers, including public and employee risks
- private piano lessons, drums, or violin – compare cover from expert UK brands
- rated 4.7/5 based on 39K+ public liability customer reviews
What does music teachers insurance cover?
We’ll start off with public liability insurance – an important protection for teachers across the UK. From there, employers’ liability insurance is a legal requirement for most employers, so we provide options for that too. You can finish off by adding professional indemnity cover, for issues with your work which cost others money, plus personal accident and equipment cover.
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Public liability insurance for music teachers
In case you or your employee injure someone or damage their property.
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Employers’ liability insurance
In case an employee gets sick or injured while working for you.
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Professional indemnity insurance for music teachers
In case a client loses money because of your advice, services or designs.
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Business and office equipment insurance
In case something happens to equipment like your instruments, or laptop.
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Tools insurance
In case your tools are lost, stolen or damaged.
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Legal expenses insurance
In case you face legal costs in connection with your music teaching business.
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Personal accident insurance
In case anyone you’ve covered is accidentally injured, at work or elsewhere.
This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions
How much does music teacher insurance cost?
Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
Prices start from £4.74 per month
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
Get your tailored quotes in 7 minutes
The price is for up to £2 million of public liability insurance – 10% of customers paid £56.82 or less annually between 1st Jan – 31st May 2024. Equivalent to £4.74 a month (and excludes the extra costs for paying monthly). 76% of customers have a £1 million limit and 24% £2 million. If you complete a quote, more types of cover will be available. These all have additional costs.
Example music teacher insurance quotes, real prices
£8.83 /month
£68.25 /year
A part time music teacher working in clients’ homes
- 1-2 years’ experience
- Sole trader
- No employees
- Based in Leeds
Public liability
Not included
Employers’ liability
Not included
Professional indemnity
£50,000
£12.58 /month
£105.83 /year
A family run music teacher ltd company that rent space to teach
- 5+ years’ experience
- Limited company
- 1 employee
- Based in Luton
Public liability
£1,000,000
Employers’ liability
£10,000,000
Professional indemnity
£100,000
How we work out example quotes These examples are real quotes from our online system (created 16/08/2021). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
What kind of excess should I expect?
An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.
Insurance cover | Lowest excess | Highest excess |
|---|---|---|
Professional indemnity | No excess | £2500 |
Public liability | £200 | £750 |
Contents | £100 | £750 |
Portable equipment | £100 | £500 |
Employers liability | No excess | No excess |
The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.
How it works
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How do I choose insurance?
Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.
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Can I just cover my most expensive tools?
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Which type of workers do I need insurance for?
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Will tools insurance cover all my equipment?
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Does music teacher insurance cover my work correctly?
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Do I need cover for other types of work?
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Which public liability cover limit should I choose?
Talk to an expert
Our team of UK-based insurance experts are here to help, Mon 09.00am – 05.30pm, Tues 09.00am – 05.30pm, Weds 09.00am – 05.30pm, Thurs 09.30am – 05.30pm, Fri 09.00am – 05.30pm, Sat 09.00am – 02.00pm
Call our team
How do claims work?
Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.
£51 million in claims paid out in 2023
83% of claims were settled in 2023
The figure above is rounded across our range of products. “Settled” covers paid, declined or withdrawn. Our claims process may vary for different products and operates on a ‘claim by claim’ basis. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 24/04/2024.
Example claim
Having music teacher insurance through Simply Business has saved professionals thousands of pounds when the unexpected happened.
Katie saved more than £1,200
Katie (not her real name) was working at a concert event when the laptop she uses for work was stolen from her locked car. The business and office equipment cover she’d added to her private music teacher insurance policy covered the replacement cost.
Insurance payout
£1,273.99
Covering the cost of theft
Insurance payout
Covering the cost of theft
Covering the cost of theft
Chosen by nearly 1 million small businesses and landlords
We started out as a team of five back in 2005. We’ve grown since then, with nearly 1 million customers across 1,500 trades now trusting us to provide their business insurance.
Music teacher insurance FAQs
Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about public liability insurance for music teachers, and other popular covers. You can also check out our business insurance FAQs.
This depends on your business, the students and organisations you’re working with, and the spaces you teach in. There’s no legal requirement to have public liability insurance in place, but many venues won’t work with you unless you do, usually at a specified level. And in your own home, if a third party (like your student) held you responsible for an injury or property damage, liability insurance for music teachers can help cover the cost.
Alongside music teacher public liability insurance, you may choose to add cover for things like professional indemnity risks, plus your instruments, kit, and equipment. And if you employ anyone (including trainees), employers’ liability cover is usually a legal requirement.
Even if it’s you, a student, and a piano, in your living room every day, your home-based business brings its own risks – to you and your students, as well as parents and employees, if you have any, and anyone visiting you at home.
Public liability insurance for music teachers can cover you if someone makes a claim against you for injury or damage. For example, one of your students might slip on your wet hallway floor on a rainy day, causing ongoing back pain.
You can also add business and office equipment insurance, for your essential kit and instruments, plus employers’ liability cover, which is usually a legal requirement if anyone is directly working for you.
Yes. You may start offering additional services that require you to use different skills or carry out different tasks. If you find yourself in this situation, it’s important to give us a call on 0333 043 8527 to update your policy before you take on this new work. If you don’t have the correct type of cover in place for the work you do, you may be unable to claim on your policy if something goes wrong.
You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:
- one-off credit or debit card payment
- BACS payment
- Direct Debit
If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly instalments.
This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.
If you employ people, you’re required by law to have employers’ liability insurance.
There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions
