Private tutor insurance

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Professional indemnity insurance for private tutors
Professional indemnity insurance for private tutors
Professional indemnity insurance for private tutors
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Covers to consider

What is private tutor insurance?

Private tutor insurance isn’t usually one product. It can combine several products to cover the specific insurance needs of your self-employed tutoring work.

Because tutors advise students and often work face-to-face, both professional indemnity and public liability insurance are commonly required. Electronic business equipment insurance might be useful if you rely on your computer or laptop to deliver your lessons. Commercial legal expenses insurance is also a valuable cover for private tutors which is why Suited includes it as standard with every subscription.

Self employed professional indemnity insurance
Professional indemnity

from £7.67 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £8.89 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Commercial legal expenses insurance.
Business legal protect

Cover of £100,000 commercial legal expenses included with your policy subscription.

Protects you and your business against a range of issues not typically covered by professional indemnity or public liability.

IR35 & HMRC investigations

Legal matters concerning your business

Negative PR (£25,000 cover)

Criminal prosecution

Compliance & regulation issues

Unpaid invoices (over £200)

Also includes free telephone advice & help from qualified professionals.

Tax and commercial legal advice

Counselling for you and your staff

Access to a legal template library

Identity theft assistance

Self employed public liability insurance.
Public liability

from +£4.76 per month

Protects your business against claims of causing an accidental injury or property damage to either your clients or a third party.

Up to £2,000,000 cover including products liability

No excess

Expert legal team

A+ specialist insurers

Covers claims against your client caused by your business

Business equipment insurance.
Electronic business equipment

from +£7.00 per month

Pays for repair or replacement if your portable electronic equipment (and accessories) get damaged or lost.

Equipment up to £10,000 cover (£3,500 per item)

Accessories are included (£500 per item)

Hired equipment is covered

Worldwide - your devices are covered anywhere you are

Personal accident insurance.
Business owner protect

from +£10.07 per month

Reimburses your taxable business expenses while you’re recovering from a serious illness or injury.

Up to £2,000 a month

Up to 6 months following the first 30 days of illness

Any tax deductible expenses included

Receive a lump sump payout if you suffer an accident leaving you with partial or total disablement:

£5,000 lump sum

Fast customer service

Quick payout

Answer 4 questions then select the policies and limits you need.
Answer 4 questions then select the policies and limits you need.
What people say
2 March
Extremely impressed

Extremely impressed with the professional and supportive service I received.

Kellie Williams
on Google
16 February
Very efficient

After shopping around for business liability cover, I found suited, I had a few questions and Jana from suited was very efficient...

on Trustpilot
14 February

The website is easy to use and the process is intuitive, clear and easy to follow.

Matt M
on Trustpilot
11 February

I was recommended Suited, because I’d been stalling. Simple to use website, offered clear, concise information and selection...

on Trustpilot
12 December

Really fantastic service by the suited insure team! Always found the insurance side to be a bit confusing but the team took me...

Michael Ryan
on Google
15 September

A simple and flexible service for what I required. Great communication from start to finish.

Matthew Allen
on Google
1 August

I was looking for business insurance this easy to use and very well explained web site made the process simple and painless. Had a quote...

Piers Field
on Trustpilot
In detail

Why do private tutors need insurance?

Failing to meet expectations

If students' aspirations don’t materialise, they or their parents may attribute their failings to you and pursue you for damages.

A comment is taken out of context

You may face accusations of professional misconduct or legal action if you say something during a lesson that is misinterpreted or taken out of context.

Injury to a student

If a student injures themselves during a visit to your premises, they may pursue you for the associated medical costs.

Damage or loss to essential electronic equipment

If a laptop or computer that you rely on to do your work gets damaged or stolen, you may struggle to find the funds to cover the cost of repair or replacement.

Professional indemnity insurance for private tutors

Professional indemnity insurance protects private tutors from accusations of professional mistakes, negligence or failing duty of care.

Private tutors provide professional advice and guidance. Professional indemnity insurance is an affordable safety net should the worst happen and you need to defend a legal claim from one of your students.

What does tutoring professional indemnity insurance cover?

Professional indemnity insurance protects private tutors from claims or accusations of wrongdoing from their professional advice.

Cover includes:

  • Failing your duty of care
  • Making a mistake
  • Acting negligently
  • Giving the wrong advice or recommendation

For example, you may be facing financial demands from a client because:

  • A student's results didn’t meet their aspirations, and the parents blame you and ask for all their money back.
  • You’re accused of misconduct by your student or their parents, who’re claiming compensation.

What professional indemnity limit do private tutors need?

The professional indemnity limit you need will reflect your particular tutoring activities. When choosing a limit, consider how often you teach, how many students you work with, and the possible financial impacts if your tutoring advice goes wrong.

Another guide could be client contracts you have signed. A lot of education institutions stipulate insurance requirements in their contracts.

Switching your professional indemnity insurance

Typically, in the UK, if you cancel a professional indemnity policy, you can no longer claim against it.

Therefore, if you switch your private tutoring insurance provider, be sure your new policy covers your past work; this is called “retroactive cover”.

Should I keep professional indemnity insurance if I take a break from tutoring?

It’s wise to keep your professional indemnity for a time if you stop tutoring. Claims against professional misconduct can surface months or years after you delivered the work. 

If a past client sues you for damages and you have cancelled your professional indemnity, you will not be covered.

How long you keep your cover in place is up to you; consider the type of teaching you did and the likelihood that a student might bring a claim against you. 

Public liability insurance for tutors

Public liability insurance shields private tutors from claims of injuries or property damage. It is helpful to tutors who work with students face to face.

What does tutoring public liability insurance cover?

Public liability pays for your legal defence and compensation costs if you are found liable. 

Cover includes:

  • accidental injury or death
  • accidental property damage

For example:

  • A student visits your premises and slips, injuring themselves. Their medical bill might be sent to you if your student believes their injury was your fault.
  • You visit a client’s home and cause accidental damage to their home. This could be something like spilling a coffee over an antique rug, letting a much-loved pet out of the door or knocking over an expensive piece of art.

Other insurance private tutors buy

As a private tutor, additional insurance you need will depend on your individual circumstances. It's important to think about whether you could afford a legal dispute, how you would handle tax issues, and what steps you would take if a client didn't pay.

Commercial legal expenses insurance

Most commercial legal expenses insurance will protect private tutors against various tax and legal issues you may encounter due to your profession, which are not picked up by professional indemnity or public liability.

At Suited, we combined £100,000 of commercial legal expenses insurance with helplines and other tools to better assist private tutors in dealing with these issues. We call this Business Legal Protect, and it’s part of your subscription.

Business Legal Protect provides qualified advice and assistance with:

  • Legal and tax matters concerning your business
  • Criminal prosecution
  • Compliance & regulation issues
  • Unpaid invoices (over £200)

For example:

  • HMRC investigates your tax affairs
  • You need legal help chasing a significant unpaid invoice
  • You required guidance on compliance or regulatory issues for your business.
  • An educational institution terminated your contract without notice, and you wish to take them to court over a breach of contract.

Electronic business equipment insurance

Most tutors will be using a laptop or a computer to deliver their sessions and keep students’ records. Electronic business equipment insurance covers the cost of replacing or repairing business equipment, such as computers, cameras, or other tools of your tutoring profession. Whether this equipment is yours or hired, you can insure the cost of repair or replacement should an accident happen.

Private tutors we insure

Suited offers comprehensive insurance policies that cater to the needs of a wide range of private tutors, including:

  • Arts & crafts teachers
  • Coding and programming tutors
  • Computer science tutors
  • English tutors
  • History and social Studies tutors
  • Homeschooling tutors
  • Language tutors
  • Lecturers
  • Maths tutors
  • Music teachers
  • Photography tutors
  • Reading and literacy tutors
  • Science tutors
  • Special education tutors
  • Teachers
  • Writing tutors
  • and more..

Shopping for private tutor liability insurance

Whether or not you decide to use Suited insurance to protect your tutoring work, it’s worth keeping the following in mind:

Cheap private tutor insurance

When selecting your private tutor insurance, it's crucial to remember that price isn't the only factor to consider. It's equally important to ensure the provider is available. At Suited, we're proud to offer a speedy response time and multiple ways to get in touch with us when you have questions or concerns.

The reputation of the insurer is important

Insurance needs to be there when you need it most. The payout reputation of an insurer is essential. Suited uses financially sound insurers with an A+ rating.

Many providers charge fees to amend or cancel

Low initial prices often hide additional charges to pay monthly, amend or cancel your policy. At Suited, we charge no extra fees, and you can cancel anytime with no more to pay.

Some policy wordings are restrictive or have a high excess

Some providers will offer attractive prices, but it is at the expense of cover given. Suited professional indemnity and public liability have £0 excess.

In this section
Suited awards.

Common questions

Do I need private tutor insurance to teach online?

You should consider at least professional indemnity insurance for tutors to protect yourself from legal claims of professional negligence, giving the wrong advice or breaching your duty of care.

Do I need public liability insurance as a tutor?

Public liability insurance is useful legal protection against accusations of causing an injury or property damage. Tutors who have physical contact with their students might wish to consider it.

Am I legally required to have professional indemnity insurance for private tutors?

Professional indemnity insurance for private tutors is not a legal requirement but it may a stipulation by an organisation you contract with or a professional body regulating your industry.

What insurance do I need to be a private tutor?

The insurance recommended for private tutors is professional indemnity and public liability insurance. The latter is only important if there is physical contact with clients, students or if you're using a third party property to teach.

Answer 4 questions then select the policies and limits you need.
Answer 4 questions then select the policies and limits you need.
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Private tutor professional indemnity insurance
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Go retroactive

Include retroactive cover to insure previous work.

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Holiday mode

Pay less when not working by hibernating your PI cover.

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Get help when you need it from our Bristol based team.

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Call us with any questions or queries. Our Bristol based team is available from Monday to Friday and answers straightaway.

Monday-Friday, 8:30am to 5:30pm

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If your plans change

No problem, Suited uses a simple subscription model making it easy to walk away.

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14 day promise *

If you call to cancel within the first 2 weeks we’ll give you a full refund.

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Easy to cancel

No longer need us? Cancel anytime, no more to pay.

* 14 day promise is not available online, please speak to a member of staff. Not available if you have reported a claim.

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