Training provider insurance

Secure professional indemnity for training providers quickly and without fuss. We're simply priced, flexible and upfront.

Rating: 4.8 - 24 reviews
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Professional indemnity insurance for training providers UK
Professional indemnity insurance for training providers UK
Professional indemnity insurance for training providers UK
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What is training provider insurance?

Training provider insurance isn’t a single cover. Several insurance products usually combine to meet your training business's specific risks.

The advisory nature of training providers means that professional indemnity is essential. Public liability is likely required, given that training includes face-to-face contact. Commercial legal expenses are also valuable. Consider electronic business equipment insurance if you use your computer gear or hire someone else’s.

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 training providers need insurance?

Accusations of causing an injury

As a training provider, you face potential lawsuits brought against you by clients if your instructions lead to an accident.

Compensation claims for bad advice

Your clients look up to you and rely on your advice and experience. If they feel you’ve failed to deliver, they might feel entitled to compensation.

Something you said is taken out of context

As a professional trainer, you spend a lot of time with your clients. You may say something that's interpreted the wrong way, and you’re facing a legal claim.

Damage to your work equipment

Most of us live online, using laptops, iPads or computers to document and store all our work data. Could you afford to pay for the repair or replacement?

Professional indemnity insurance for training providers

Professional indemnity insurance is a critical cover that protects training providers from accusations of professional mistakes, negligence, and other claims against you or your business.

Given the potential exposures trainers face, professional indemnity can be very affordable compared to the possible costs if you need to defend yourself. 

What does professional indemnity insurance for trainers cover?

Professional Indemnity Insurance protects training providers from claims or allegations of wrongdoing from their professional advice or work product.

It could be as innocent as cracking an ill-considered joke that lands a trainer in hot water. More commonly, trainers find themselves in disputes over their skills and knowledge. 

Cover includes:

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

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

  • Your training doesn’t meet your clients’ expectations, they may feel entitled to compensation; this could be in a refund or extra work for free form.
  • Depending on the type of training, you could be accused of causing an injury or property damage as a direct result of your instructions.  

What type of training does professional indemnity cover?

It would be hard to give a complete list. Your area of expertise is relatively unimportant. You could be providing any or a mixture of the following:

  • Training consultancy
  • Business training
  • Computer training
  • Secretarial training
  • Management training
  • First Aid training
  • Apprentice training

In essence, if you provide training, you give advice. As such, you’re likely to benefit from professional indemnity insurance for trainers.

What professional indemnity limit do training providers need?

The professional indemnity limit you need will reflect your particular training activities. When choosing a limit, consider several factors, including the value of your client contracts, your contractual requirements, and possible financial impacts if your training goes wrong. 

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 training provider insurance provider, be sure your new policy covers your past work; this is called “retroactive cover”.

Should I keep professional indemnity insurance if I train infrequently or close my training business?

It’s wise to keep your professional indemnity if you’re taking a break or retiring from providing training. Claims against professional misconduct can surface months or years after you delivered the work.

Remember: If you cancel your policy, your insurance coverage will end, including coverage for any previous work.

How long you keep your cover in place is up to you. Consider the type of  training you did and the likelihood that a client might bring a claim against you. 

Public liability insurance for training providers

Public liability insurance shields training providers from claims of injuries or property damage associated with face-to-face work.

Public liability is an inexpensive protection against unfortunate incidents such as slips, falls, or you causing damage to a third party’s equipment. 

What does training provider public liability insurance cover?

Public liability insurance is valuable when faced with injury claims and compensation demands.

Cover includes:

  • accidental injury or death
  • accidental property damage

For example:

  • A participant trips over the equipment you set up for the training. 
  • You visit a client site and damage equipment by knocking over a coffee

Other insurance training providers buy

Your need for additional training provider insurance may vary depending on your specific circumstances. Have you considered the cost of legal disputes? Do you depend on costly computer equipment for your income? What would happen to your business if you were to become ill? And do you have any employees to consider?

Commercial legal expenses insurance

Most commercial legal expenses insurance will protect training providers against various tax and legal issues you may encounter due to your profession, which are not covered 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 training providers in dealing with these issues. We call this Business Legal Protect, and it’s part of your subscription.

Business Legal Protect offers qualified advice and assistance with:

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

For example:

  • HMRC investigates your tax affairs
  • You need tax or legal advice regarding your business
  • You need legal help chasing a significant unpaid invoice
  • You’re being taken to court for breach of contract

Electronic business equipment insurance

Electronic business equipment insurance is needed these days more than ever. Most trainers rely heavily upon electronic equipment to deliver their services. If this equipment is lost, damaged or stolen, it can seriously impact your business's bottom line.

Employers’ liability insurance

If you have anyone working for you, full-time, part-time, contractors or volunteers, employer’s liability insurance is required by law. 

Training providers we insure

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

  • Business trainers
  • Clerical trainers
  • Computer trainers
  • Fire safety trainers
  • First aid trainers
  • Management trainers
  • NLP trainers
  • Secretarial trainers
  • and more..

Shopping for training provider liability insurance

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

Cheap training provider insurance

When choosing training provider insurance, don't just look at prices. Check how accessible and responsive the provider is. At Suited, we offer multiple communication options and prompt responses.

The insurer's reputation 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

Must I have professional indemnity for training providers?

It’s not a legal requirement but it is a sensible investment into the protection of your business. If you are a member of a regulatory body, it might be a membership condition.

Do training providers need to be qualified?

If you wish to arrange insurance with Suited, you need to hold suitable professional qualifications or experience.

Do training providers need public liability insurance?

Training providers may need public liability insurance if they deliver their courses in person. PL cover protects training providers from claims of causing an injury or property damage.

Do I need to submit my qualifications to get trainer provider insurance?

Suited only requires you to be qualified but you do not have to provide evidence.

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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Training provider professional indemnity insurance
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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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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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Once you buy
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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