As a private tutor, are involved on a daily basis with your students giving them advice and guidance which can be sometimes taken the wrong way.
Tutors can be very involved in the lives of their students and often neglect their own well being. Plus the work you do may not be always unappreciated.
If you find yourself in the presence of your students either on your territory or in their home, you may end up facing a claim of causing an injury or property damage.
As a tutor you conduct a lot of one on one sessions. If you say something that's taken the wrong way, you may find yourself facing a legal claim.
Our mission is to see small business insurance done fast, clear, upfront and painless.
Save time by getting a price after four questions.
Get insured anytime. Manage cover from your DIY portal.
Sleep well knowing your cover is backed by trusted UK insurers.
Keep money in your pocket. Pay monthly, no APR or fees.
Pay less when not working by hibernating your PI cover.
Get help when you need it from our Bristol based team.
What insurance do private tutors need?
Choosing the right insurance for you depends on the size and nature of your business. Key insurance covers private tutors should consider include:
Let’s start with the advice part. Many students, whether young or mature, seek and follow the advice of their tutors. It of course depends on the subject you teach but some tutors are instrumental to their students’ future choices of a career or path in life.
When the student’s dreams and aspirations don’t come true or feel that they’re inadequately equipped for whatever they have selected to do, they or their parents might try to blame you.
That happens from time to time and doesn’t usually end in more than a bad review but occasionally it can lead to an accusation resulting in a legal claim with a demand for financial compensation.
And then there are other risks. As a private tutor you spend a lot of time alone with your students. It is not practicable to have a third person sitting in all the time therefore it is not surprising that tutors often end up facing accusations of professional misconduct. This type of situation can be career ending and it is crucial that you protect yourself. That includes having adequate legal cover, should you become in need of qualified legal professionals to help defend your case.
Professional indemnity insurance for private tutors
This is the key cover for all self employed and private tutors, whether they teach remotely or meet their students in person. It’s there to protect you from accusations of professional negligence, failure in duty of care or saying something wrong.
If a situation arises with a student or their parents, all kinds of accusations start flying around and it is very easy to quickly find yourself in deep waters. Professional indemnity insurance for tutors is a legal cover that provides two benefits.
Firstly it is the legal support you will receive as soon as you receive the first unhappy email, phone call or text threatening to sue you or demanding a financial remedy for your conduct.
Your insurers will appoint the right legal aid to review your situation and advise you what you should do next. In many case they will take the communication over from you or help you draft the right response. Cases handled at the early stage by a professional tend to go away.
The second benefit of professional indemnity insurance for private tutors is the fact that all the legal costs are taken care of by the insurers straightaway.
In other words there is no need for you to pay anything at any point unless you insist on using your own solicitor. If you do, your insurers will need to approve them first and only pay you back when presented with settled invoices.
Personal injury claims are on the rise in the UK and even if the chance of causing an injury seems remote to you, it is worthwhile to look into this cover. It usually costs a few pounds a month and it eliminates a potentially costly risk.
The risk of property damage is also hard to imagine and, unless you're a clumsy person, probably quite unlikely. And yet if you host a group of students at a third party premises, damage to the premises can occur. Naturally, the venue will look to you to take care of any remedy.
When you decide to protect your business with Suited we want you to get more than just insurance. That's why with every policy subscription we include Business Legal Protect. From the moment you sign up you gain access to extra support services which are all part of our price.
- IR35 & HMRC investigations
- Legal matters concerning your business
- Negative PR (£25,000 cover)
- Criminal prosecution
- Compliance & regulation issues
- Unpaid invoices (over £200)
- Free tax advice
- Free commercial legal advice
- Counselling for you and your staff
- Access to a legal template library
- Identity theft assistance
My work contract requires professional indemnity insurance. Suited were quick to call back and very helpful explaining the product to me. Suited offers a trustworthy, professional service and a peace of mind.
Suited was easy to use, to the point, concise, I found everything I was looking for , was covered. The process was efficient and quick. Fast forms to fill in. I think the price was pretty competitive too.
The fast and hassle free way to get business insurance for small professional outfits.