Music Teacher Insurance
Specialist cover for music teachers from £4.83* per month.
- Public liability for freelance music teachers
- Add Professional indemnity cover
- Join over 150,000 customers**
From only £4.83* per month
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What does music teacher insurance cover?
Our insurance for music teachers provides essential protection tailored to those running lessons, workshops, rehearsals, or group sessions, whether you teach instruments, vocals, theory, or digital music production. We offer flexible cover with the option to add valuable extras. You can also choose from different levels of cover depending on the scale and setup of your teaching business.
Public Liability and Products Liability are included as standard, with options to add Professional Indemnity, Employers’ Liability, Equipment Cover, Personal Accident, Overseas Extension, and Legal Expenses.
Our policy can work for your whatever way you work, whether you teach from home, in a studio, in schools, in students’ homes, or on location such as rehearsal rooms.
Make sure you have the correct insurance for your therapy and be sure to check if any exclusions are relevant to what you have planned in policy documentation.
Public Liability
Professional Indemnity
Employers' Liability
Equipment
Personal Accident
Public Liability and Products Liability
- From £1 million to £5 million of cover.
- Protection from claims by a third-party who sustains injuries or has their property damaged, whereby you or your business is responsible.
Professional Indemnity
- From £100,000 to £1 million of cover.
- This protects you from damages caused by your mistakes, errors, or negligence in your professional work, including those made by your employees.
Employers’ Liability
- Up to £10 million of cover.
- Protection from claims against employee incidents if someone suffers a work-related injury and brings a claim against you.
Business Equipment
- Up to £25,000 worth of cover
- Cover is provided on a new-for-old basis for items under three years old, meaning that regardless of whether you have had the item for three months or three years, we will replace it with a brand-new equivalent if the damage is irreparable.
Personal Accident
- Protection from workplace accidents.
- A selection of incidents can be claimed for under this benefit, including accidental death, permanent total disablement and temporary total disablement.
Overseas Extension
- Work abroad for up to 30 days a year.
Select European Union or Worldwide (excluding the USA & Canada).
Legal Expenses
- Access to a legal helpline and a counselling service in addition to legal defence costs.
- The cover can be upgraded further to include employment disputes, property disputes, health and safety disputes and more.
- Expertise out of your scope of work.
- Businesses with more than 5 employees
- Damage to electronic data
- Wear and tear of equipment
- Hiring out equipment
- Operating in the US and Canada
- Anyone aged 16 or younger working for you
For further information on exclusions in your cover please refer to policy documentation.
What types of insurance do music teachers need?
Teaching music is incredibly rewarding, but even with the best preparation, unexpected incidents can happen. The right insurance helps protect you, your students, and anyone supporting your sessions, so you can focus on inspiring a love of music with confidence.
Here are common scenarios where cover can make all the difference:
Public Liability for music teachers
A student might trip over an instrument cable, a music stand may fall and damage venue flooring, or someone could strain a muscle during a warm-up exercise.
Public liability insurance covers the cost of accidental injury or property damage that happens during your lessons. It safeguards your finances and reputation while showing students, parents, and venues that you take safety seriously.
Professional indemnity insurance
If a student or parent claims that the advice, tuition, or professional guidance you provided caused them financial loss or harm, professional indemnity insurance helps cover legal and compensation costs.
It protects you from mistakes, errors, or negligence in your professional work, including those made by your employees, provided you also have employers’ liability insurance.
Equipment cover
Your instruments and teaching equipment are likely central to the work you do. Whether it’s a damaged keyboard, broken microphones, faulty amplifiers, or lost recording gear, equipment cover helps you repair or replace the items essential to your lessons. This means you can get back to teaching with minimal interruption.
Employers’ Liability
If you have assistants, accompanists, admin support, or staff helping set up, run lessons, or support workshops, employers’ liability insurance can cover legal and compensation costs if they’re injured while working for you.
It’s a legal requirement if you employ anyone (even part-time or voluntary), and it can also demonstrate that you value and protect your team.
Our experts explain why...
“Music teachers do far more than teach songs or techniques, they nurture confidence, inspire creativity, and help students grow through the joy of learning. Whether you’re guiding beginners through their first notes or preparing advanced students for exams and performances, the work you do makes a lasting impact.
That’s why our insurance for music teachers is shaped around the real risks of working in lesson spaces, rehearsal rooms, schools, and students’ homes. Whether you teach privately, travel between locations, or run a small teaching practice, our cover is designed to support you when you need it most.
Our aim is to give music teachers the reassurance to focus on what matters: sharing their passion and developing their students’ potential, backed by flexible protection that adapts as their teaching journey grows.”
Chris Trotman, Protectivity Underwriting Manager
How much does music teacher insurance cost?
At Protectivity policies start at just £4.83 per month.*
Every music teaching setup is unique. The cost of your insurance depends on what you teach, where you teach, and the level of cover you need.
If you run regular lessons, work with the public, attend events, or use valuable instruments or audio equipment, you may need higher cover limits to stay fully protected.
Factors that can affect your premium include:
- The value of your equipment
- Whether you employ assistants
- Where your lessons take place (home, studio, school, students’ homes, etc.)
Prices from
£4.83* a month
Explainer quote
Policy cost
£4.83* a month
Policy type
Music teacher insurance
Policy duration
Annual
Public Liability
£1,000,000
This example is based on a real quote from our website on 10/12/2025. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example. The quote you receive will reflect the information you share about your event. The quoted price may vary from those displayed here.
Have a question?
For further information on your policy, renewals, making a claim and contacting us, you’ll find an extensive list of FAQs on our Help & Support page.
Why choose Protectivity for your music teacher insurance policy?
Let the reviews of over 3,500 customers explain why you should choose us.¹
Trusted by over 150,000 customers.
Experienced insurance providers for over 30 years.
Over 3,500 highly rated reviews.
Proof of our excellent customer service.
Experienced Claims Handling
A smooth and efficient claims process.
UK Based Customer Support
Our UK sales team are here to help.
Frequently
Asked Questions
Does my policy cover my equipment when I travel to a student’s home or a school?
Yes – if you have selected Business Equipment cover. Your insured equipment remains covered whether it’s at your home, a venue, or transported to a student’s home or school.
Am I covered if I accidentally damage a student’s personal property during a lesson?
Yes. Public Liability insurance also covers accidental damage to a third party’s property, this includes belongings owned by students or parents.
Is my teaching equipment covered if it is lost, stolen, or damaged?
Yes, if you include Business Equipment cover.
This provides up to £25,000 of protection for your equipment on a new-for-old basis for items under three years old. If an item is irreparably damaged, it will be replaced with a brand-new equivalent.
Coverage applies against loss, theft, and accidental damage.
Please note: Wear and tear or damage to electronic data is not covered.
Am I covered if a student or parent is injured during a lesson at my home or another venue?
Yes. Your Public Liability insurance (from £1 million to £5 million) covers claims from third-party injuries or property damage where you or your business is held responsible.
This applies whether lessons take place in your home, the student’s home, or another venue.
This page content has been created for general information and should not be taken as advice.
*Prices quoted refer to a quote raised from our website 17/10/2025. Prices will differ depending on requirements. Make sure you have the correct level of cover for what you need. For the most accurate pricing, please get a quote and for full details on what is covered refer to our policy documentation with your quote.
** Based on Protectivity sales data from 2007 to Sep 2024
¹Based on live Feefo data