Teacher insurance

Get insurance for teachers quickly and with ease. Our policies are straightforward, flexible, and transparent.

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Professional indemnity insurance for teachers
Professional indemnity insurance for teachers
Professional indemnity insurance for teachers
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What is teacher insurance?

Teacher insurance encompasses various coverages tailored to the unique needs of self-employed teachers. This generally includes professional indemnity and public liability insurance, essential for those who provide educational guidance and interact directly with students. 

Additionally, electronic business equipment insurance is beneficial if you rely on technology to conduct your lessons. Suited also includes commercial legal expenses insurance as part of every subscription to provide comprehensive protection.

How much does teacher insurance cost?

Teacher insurance starts at £7.67 per month, and the cost increases based on the required insurance limits, business size, and claims history.

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
Self employed professional indemnity insurance

Professional indemnity

from £9.54 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 £20.41 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 £22.78 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

Included
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...

Chezza
on Trustpilot
14 February
Great!

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...

Mokolada
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 teachers need insurance?

Private teachers encounter numerous risks that can lead to financial losses or legal troubles. Here are some typical situations where insurance is vital:

Unfulfilled expectations

If a student fails to achieve the anticipated results, they or their parents might hold you accountable and seek compensation.

Misunderstood comments

Remarks made during lessons can sometimes be misinterpreted, resulting in accusations of professional misconduct or legal action.

Student injuries

If a student gets injured while on your premises, they might hold you responsible for their medical expenses.

Damage to vital equipment

If your computer or laptop is damaged or stolen, replacing it can be costly and disrupt your teaching.

Professional indemnity insurance for teachers

Professional indemnity insurance safeguards teachers against claims of professional errors, negligence, or breach of duty. This insurance serves as an affordable safety net, covering legal defence costs if a student or their parents file a claim against you.

What does professional indemnity insurance cover?

Professional indemnity insurance covers teachers against claims or allegations of professional misconduct or mistakes. The coverage includes:

  • Breach of duty of care
  • Errors in teaching
  • Negligent actions
  • Incorrect advice or recommendations

For instance, you might face financial claims if:

  • The educational institution that hired you believes your teaching methods didn't meet expectations and demands you cover the costs to fix the issue.
  • A client claims compensation due to your actions leading to students dropping out and resulting in refunds.
  • You accidentally disclose sensitive information about a student.

What professional indemnity limit do private teachers need?

Consider your contracts, the nature of your clients, the fees you earn, and the potential financial impact if your advice goes wrong. Many teachers opt for the lowest limit, but legal costs in complex cases can quickly escalate to hundreds of thousands of pounds.

Switching your professional indemnity insurance

In the UK, cancelling a professional indemnity policy usually means you can no longer make a claim. Therefore, if you switch your insurance provider, ensure your past work is covered under “retroactive cover,” so your previous work remains protected by the new policy.

Should I keep professional indemnity insurance if I am between jobs?

It's prudent to maintain your professional indemnity insurance if you take a break from teaching. Claims of professional misconduct can arise months or years after the work was completed. If a former client sues you and you’ve cancelled your insurance, you won’t be covered.

Decide how long to keep your cover based on the type of teaching you did and the likelihood of a claim. With Suited, you don’t pay full price if you stop teaching. You can hibernate your policy, staying insured for past work at a reduced cost, for as long as you need.

Public liability insurance for teachers

Public liability insurance protects teachers from claims of injury or property damage. It is crucial for those who work directly with students.

What does public liability insurance cover?

Public liability insurance covers legal defence and compensation costs if you are found liable for:

  • Accidental injury or death
  • Accidental property damage

For example:

  • If a student slips and injures themselves at your premises, you might be responsible for their medical expenses if the student believes the injury was your fault.
  • Even if you're using third-party premises, you might be liable for property damage, such as failing to secure a space where students leave valuables, resulting in loss or damage.

Other insurance private teachers buy

Commercial legal expenses insurance

Commercial legal expenses insurance protects you from various tax and legal issues not covered by professional indemnity or public liability insurance.

At Suited, we include £100,000 of commercial legal expenses insurance with helplines and tools to assist with these issues. This service, called Business Legal Protect, is part of your subscription.

Business Legal Protect offers advice and assistance with:

  • Legal and tax matters related to your business
  • Criminal prosecution
  • Compliance and regulation issues
  • Unpaid invoices over £200

For example:

  • HMRC investigates your tax affairs.
  • You need legal help to chase a significant unpaid invoice.
  • You need guidance on compliance or regulatory issues.
  • An educational institution terminates your contract without notice, and you wish to pursue a breach of contract claim.

Electronic business equipment insurance

Most teachers use a laptop or computer for teaching and record-keeping. Electronic business equipment insurance covers the cost of repairing or replacing equipment, whether owned or hired, should it be damaged or lost.

Private teachers we insure

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

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

Shopping for private teacher  insurance

Whether you choose Suited insurance or another provider, consider the following:

Price isn’t everything

Some providers offer low prices but may lack after-sales service. Ensure your insurance provider is accessible. Suited offers multiple contact options and quick responses.

Insurer’s reputation matters

Insurance should be reliable when you need it. Check the payout reputation of insurers. Suited uses financially sound insurers with an A+ rating.

Additional charges to amend or cancel

Low initial prices often hide fees for monthly payments, amendments, or cancellations. Suited charges no extra fees, and you can cancel anytime without additional costs.

Restrictive policy wordings or high excess

Some providers offer low prices at the expense of coverage. Suited’s professional indemnity and public liability insurance have £0 excess.

In this section
Suited awards.
FAQs

Common questions

Should I have teachers’ insurance if I teach online?

Professional indemnity insurance is a must, irrespective of your delivery. You need to protect yourself from legal claims of professional negligence, giving the wrong advice or breaching your duty of care.

When do teachers need public liability insurance?

Public liability insurance is useful when teachers have physical contact with their students and members of the public during their work.

Am I legally or otherwise required to have teachers’ insurance?

Insurance for teachers is not a legal or regulatory requirement, but it may be a stipulation by the institution for which you work.

I only provide course materials and mark exams. Do I need insurance?

You are still giving advice and providing expertise. Therefore, risks associated with your profession still exist, and insurance is a good safety net.

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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Professional indemnity insurance for teachers
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We give you one price, no APR or hidden extras.

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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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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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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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