Insurance for training providers

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

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Insurance for massage therapist.
Professional indemnity insurance for training providers.
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Priced in a Jiffy
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subscription model
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The problem

Training providers face many risks

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.

A man in a suit walking with slumped shoulders.

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 taken the wrong way and you’re facing a legal claim.

Compensations claims for bad advice

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

Damage to your work equipment

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

You need insurance for trainer providers that effectively protects you from accusations of wrongdoing.

the suited way
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Get insured anytime. Manage cover from your DIY portal.

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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.

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

covers to consider

What insurance do training providers need?

Choosing the right insurance for you depends on the size and nature of your business. Key insurance covers training providers should consider include:

Professional indemnity

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

Public liability

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

Electronic business equipment

Pays for repair or replacement of your portable electronic equipment (and accessories) you need to do your work.

Finding the right cover

Why buy professional indemnity insurance for training providers?

As an independent training provider you are very much in the business of giving advice for living. And it is exactly this aspect of your profession that could land you in hot water with your clients.


Often training providers mistakenly assume that just because their advice is not directly connected with their client’s financial affairs that they cannot be sued for money. As a result they dismiss this type of insurance as a waste of money.

A stack of books.

The truth is that those in the teaching or training profession face many types of claims that can prove very costly. It’s not just the threat of having to pay compensation but more importantly the legal costs associated with rebuffing an accusation.

What does professional indemnity insurance for training providers cover?

It could be something as innocent as cracking an ill considered joke that can lead to a claim against you. More commonly your skills may be called into question when the aspirations of your clients do not materialise and they feel they’re entitled to compensation.

Professional Indemnity Insurance for training providers covers you when a client alleges your error, negligence or bad advice entitles them to a financial remedy.

What type of training is covered?

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
Document with a graph

As well as other disciplines mentioned above. One of our clients is using his lifelong skills to teach motorbike fixing skills. Motorbike enthusiasts don’t just like to ride, they also like to fiddle with machines and knowing how is rather important.

How does professional indemnity insurance for training providers work?

The most important element of this cover is the legal defence that will be on hand when you are accused of a professional error. An experienced legal representative will advise you very early on what steps to take to minimise the impact on your business.

All the costs are paid by the insurers on your policy. The legal team works with the insurers closely to ensure that the approach they choose is fully covered. You just need to follow their advice.

Should you find yourself having to pay something to your client, the amount will be covered by the insurance but no more than the policy limit. It is therefore important to consider carefully how much professional indemnity insurance you need.

If we take the client who teaches fixing motorbikes as an example, he selected one of the higher limits. He is aware that if his advice leads to a motorbike accident, a possible payout could be substantial.

A woman in a suit standing with a pointer in her hand.


Keep in mind

Do I need any other insurance?

That depends on your exact type of training but public liability insurance can be useful. If you’re reliant on your business equipment to deliver your training then that is a consideration too.

Public liability insurance is designed to protect you against claims of causing accidental injury or property damage. When we say accidental, it means unrelated to the advice you give as part of your business.

It could be something like a trip or fall over the equipment you set up for the training. If you’re using your own or hired premises, there are always risks. Not just to your clients but possibly your clients causing damage to the hired equipment or premises. You might be liable for the cost repair or replacement.

If your business equipment is essential to what you do and you would financially struggle to replace or repair it then insurance is a good backup plan.

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
Price

How much does insurance for training providers  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.

examples

Business activity

Business coaching and training
from

£12.17

per month
from

£22.21

per month
from

£36.20

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.

£250,000
£500,000
£1,000,000

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.

Included
with professional indemnity
Included
with professional indemnity
Included
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.

£500,000
£1,000,000
£2,000,000

Electronic business equipment

Protects your business against costly repairs or replacement costs of electronic business equipment and accessories that you own or hire to do your job.

-
£2,500
of equipment
£7,500
of equipment
Get a price
Answer 4 questions then select the policies and limits you need.
FAQs

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.

What is the difference between professional indemnity and public liability cover?

PI insurance protects you against financial claims as a result of professional mistakes while public liability defends you if you have accidentally caused 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.

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.

Testimonials

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.

Piers Field
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