Insurance for private tutors

Secure private tutor insurance quickly and without fuss. We're simply-priced, flexible and upfront.

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Insurance for private tutors.
Insurance for private tutors.
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The problem

Self-employed tutors face many risks

A student says you failed your duty of care

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.

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Stress of unpaid invoices or tax enquiries

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.

Injury to a student

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.

Something you said is taken out of context

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.

You need private tutor insurance that's low cost, flexible and protects you against claim of wrongdoing.

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Our mission is to see small business insurance done fast, clear, upfront and painless.  

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Save time by getting a price after four questions.

Buy online

Get insured anytime. Manage cover from your DIY portal.

Top insurers

Sleep well knowing your cover is backed by trusted UK insurers.

Pay as you go

Keep money in your pocket. Pay monthly, no APR or fees.

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Holiday mode

Pay less when not working by hibernating your PI cover.

UK call centre

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

covers to consider

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:

Professional indemnity

Provides you with legal defence against claims of saying the wrong thing or failing your duty of care.

Business legal protect

Helps you recover unpaid invoices, provides qualified advice on tax and legal matters but also offer counselling.

Public liability

Protects you against claims of causing an injury or property damage to a third party.

Finding the right cover

Why is private tutor insurance important?

There are two aspects to a tutor profession. One is the physical contact with students and the other is the fact that your job is all about advice and guidance which can be life changing for some of your students.

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.

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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.

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keep in mind

Public liability insurance for tutors

Public liability is also a legal cover, intended to protect against accidents that might end up in an injury or property damage. It is particularly useful to tutors who work from their own premises or visit the homes of their students.

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.

Business legal protect
Included with your insurance

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.

£100k of legal cover
  • IR35 & HMRC investigations
  • Legal matters concerning your business
  • Negative PR (£25,000 cover)
  • Criminal prosecution
  • Compliance & regulation issues
  • Unpaid invoices (over £200)
Telephone helplines
  • Free tax advice
  • Free commercial legal advice
  • Counselling for you and your staff
  • Access to a legal template library
  • Identity theft assistance

How much does private tutor insurance cost?

Price depends on many factors including business activity, the cover you choose and the level of protection (also known as the limit). With Suited you can mix and match covers and limits. Below are some cover examples, but you will be able to build your own.


Business activity

Tutor, Teaching and tuition, Music teacher and tuition


per month


per month


per month

Professional indemnity

Our core cover, to protect you and your business if you make a mistake in the course of your work, say something wrong about a client, or are accused of being negligent and your client says it has cost them money.


Business Legal Protect

A commercial legal expenses insurance there to protect you and your business from commercial disputes, legal claims, IR35 investigations, HMRC enquiries, criminal prosecutions, negative PR and identity theft. It also offers free and confidential tax, legal and counselling assistance whenever you need it.

with professional indemnity
with professional indemnity
with professional indemnity

Public liability

Defends your business against legal threats from third parties claiming you’ve caused them injury or property damage. Suited PL cover also pays compensation if due.

Build my cover
Answer 4 questions then select the policies and limits you need.

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?

No, it is not a legal requirement in the UK.

What insurance do I need for private tutoring?

Professional indemnity insurance is recommended for any profession that includes giving advice and guidance and public liability insurance is useful when there is physical contact with clients and their property.

Once you buy
If your plans change

No problem, with Suited you can flex your insurance as your business evolves.

Free to amend

Save money by not paying extra to change your cover.

Easy to cancel

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


Professional service and a peace of mind

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.

Evie Jarecki

Suited was super efficient

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.

Justin Leo

I was looking for business insurance…

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 in minutes.

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