Teachers’ liability insurance

Teachers’ liability insurance is important to consider for anyone working within the education sector. This may include teachers, tutors, childminders, music teachers, lecturers, coaches and trainers.

You may be looking for insurance for your tutoring business or public liability insurance for childminders. What level of cover you need will depend on your individual circumstances.

You’re self-employed with no employees

If you’re a private tutor or teacher who operates at your home, your students’ home or another dedicated property, you’re usually recommended to consider private tutor insurance that includes public liability cover. This will protect you and your business if someone under your care gets injured during their time with you, or if you cause damage to the property where you are working.

Although generally not a legal requirement, public liability insurance is a sensible choice for teachers, private tutors and childminders* as it will help protect your livelihood.

Public liability insurance can be included in your cover with Endsleigh – whether that’s tutors’ insurance, teaching insurance or insurance for childminders.

You’re self-employed and employ at least one other person

If you’re looking for teaching insurance and you employ at least one other person, your requirements will differ slightly. Whilst it’s still important to consider public liability insurance for teachers for the reasons mentioned above, you’ll also be legally required to have at least £5m worth of employer’s liability cover in place. This is to protect your business, including those you employ or work with.

Imagine an employee slips and injures themselves at your workplace, this cover means that if they were to seek to claim compensation, your business would be protected. So, whether you’re looking for insurance for tutors, teachers or childminders, if you employ at lease one person, you need employer’s liability insurance in place.

You’re registered to work in a childcare setting

Registered childminders are the exception to the rule when it comes to public liability insurance. The Early Years Foundation Stage (EYFS) statutory framework requires all registered childcare settings to have public liability insurance in place. This is regardless of whether you work alone or employ another person. So, if you’re a childminder registered on the Ofsted early years register, you’ll need public liability insurance for childminders before you start operating.

Plus, if you employ at least one other person, you’ll also need to include employer’s liability insurance by law.

At Endsleigh, we know insurance requirements can be confusing. That’s why we built specialist cover that can be tailored to your unique requirements. So, whether you’re looking for teacher or private tutor insurance, or need public liability insurance for childminders, we’ve got you covered.

*Public liability insurance is an essential EYFS requirement for all childminders registered on the Ofsted early years register.

Teachers’ liability insurance can provide cover for:

• Compensation claims should a third party sustain an injury
• The cost of repairing or replacing property and possessions that have been damaged as a result of your work
• Compensation claims that have been made by an employee as a result of illness or injury due to their work
• Compensation claims made by work experience staff