Teachers & Private Tutors Insurance
Specialist cover for teachers and tutors from £4.47* per month.
- Public liability for teachers
- Add Professional indemnity cover
- Join over 180,000 customers**
From only £4.47* per month
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What does teacher's insurance cover?
Our tutor insurance is designed to support teachers, private tutors and tutoring businesses, whether you work independently, teach from home, or provide lessons at a client’s home or another location.
The core cover includes public liability, with limits of up to £5 million. This can protect you against claims for injury or property damage that may arise in the course of your private teaching or tutoring work. It’s reliable, essential cover that helps you operate securely while putting your energy into your students and lessons.
Our tutoring insurance is flexible and can be tailored with optional add-ons such as professional indemnity insurance for private tutors, equipment cover, personal accident protection and legal expenses. So, whether you’re a home tutor, private tutor or running a growing teaching business, your policy can adapt to your work and needs.
Make sure you have the correct insurance for your teaching or tutoring activities and check your policy documentation to understand any exclusions that may apply.
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.
- Teaching within schools
- Expertise out of your scope of work.
- Businesses with more than 5 employees
- Damage to electronic data
- Wear and tear of 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 the policy documentation.
Why do teachers and private tutors need public liability insurance?
As a private tutor or a teaching business, your role goes far beyond delivering lessons. You’re often managing multiple responsibilities, from lesson planning and tutoring to communicating with pupils, parents and clients. Despite your best efforts, things don’t always go as planned. That’s why specialist insurance for tutors and teachers is so important.
Having the right cover means that if a claim is made against you, whether relating to an accident, damage to property, or an allegation that your professional advice or services fell short of expectations – you’re supported. Even the most experienced private teachers and tutors can face unexpected challenges, and insurance can help safeguard your reputation, your finances and your future.
Tutor and teacher insurance can help protect you for the following reasons:
Public liability cover
While visiting a student’s home for a lesson, you accidentally knock over and damage a piece of their property. In this situation, the pupil or their parent may seek compensation for the cost of repairs or replacement.
Public liability insurance for tutors protects you from the legal and financial consequences of these types of claims, so you’re not left to cover the costs on your own.
Professional indemnity insurance
As a private teacher or tutor, your teaching, advice or professional services can have an important impact on your pupils and their progress. If is believed an error, oversight or piece of advice has caused financial loss, or your professional services have not met expectations, they may take legal action.
Professional indemnity is designed to protect you in these situations. It can cover legal expenses and compensation awarded, helping shield you from the financial and reputational impact of disputes.
Equipment cover
Personal accident cover
While teaching or travelling between lessons, accidents such as slips or falls can still happen and may leave you unable to work.
Personal accident cover can provide financial support during your recovery, helping to protect your income while you take the time you need to get back to teaching.
Our experts explain why...
“Tutors and private teachers do far more than deliver lessons – they share knowledge, support learning and provide expertise that can have a direct impact on their pupils’ progress.
That’s why our insurance for tutors and teachers is designed around the real risks of teaching and tutoring. Whether you’re working independently, teaching from home or running a growing tutoring business, our cover provides support when you need it most.
Our goal is to give teachers and private tutors the confidence to focus on teaching, knowing they’re backed by flexible protection that can evolve as their career or tutoring business grows.”
Chris Trotman, Head of Sales and Underwriting
How much does private tutors insurance cost?
At Protectivity policies start at just £4.47 per month.*
Tutor insurance is a cost-effective way to protect your business, equipment and professional reputation.
Several factors can influence the price of your policy. If you use specialist teaching equipment, work from home or visit pupils at different locations, you may need a more comprehensive level of cover. Optional extras such as equipment protection, personal accident cover or employers’ liability can be added to ensure your policy meets your specific needs.
Ultimately, investing in the right insurance for teachers and private tutors can help protect both your livelihood and professional reputation, so you can focus on teaching with confidence, wherever your work takes you.
Prices from
£4.47* a month
Explainer quote
Policy cost
£4.47* a month
Policy type
Teachers and private tutors insurance
Policy duration
Annual
Public Liability
£1,000,000
This example is based on a real quote from our website on 03/09/2026. 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 teachers and private tutors insurance?
Let the reviews of over 3,500 customers explain why you should choose us.¹
Trusted by over 180,000 policyholders.
Experienced insurance providers for over 30 years.
5* reviews from 3,500+ customers.
Proof of our excellent customer service.
Experienced Claims Handling
A smooth and efficient claims process.
UK Based Customer Support
On average we answer your phone calls in under 2 minutes
Frequently
Asked Questions
Are sports coaches, music teachers, and dance instructors covered under a standard tutor policy?
This will depend on the activities you carry out and whether they fall within the scope of the policy. Our policy covers teachers and tutors among other professions, while other teaching or coaching activities may need to be assessed separately. We also offer separate Personal Trainer Insurance for coaches. When applying, make sure you declare all the activities you undertake so the appropriate cover can be considered.
Do I need Employers’ Liability insurance if I run a small tutoring agency and hire other tutors?
If you employ staff, Employers’ Liability insurance may be a legal requirement. Our policy can provide Employers’ Liability cover for businesses with employees, including certain unpaid volunteers and labour-only subcontractors. Employers’ Liability provides protection against claims if an employee suffers a work-related injury or illness.
Does this policy provide cover for teaching multi-student groups or workshops?
Cover can depend on the specific teaching activities you declare when applying. The policy allows multiple trades or professions to be selected, and certain workshop activities can be covered. If you teach groups or run workshops, make sure these activities are included in your application and check the policy documentation for any restrictions or exclusions.
Am I legally required to hold a valid DBS check to purchase private tutor insurance?
A DBS check and insurance are separate requirements. Whether you need a DBS check will depend on your circumstances and the type of work you undertake. Having or obtaining a DBS check does not replace the need for appropriate insurance, and you should check the relevant requirements for your teaching activities.
Does tutor insurance cover the loss or theft of my business laptop, books, and teaching materials?
Business Equipment cover can be added to protect equipment used in your tutoring business. The Protectivity policy provides up to £25,000 of equipment cover, with eligible items under three years old covered on a new-for-old basis. Restrictions and exclusions apply, so check the policy wording for full details.
Do I need to inform my home buildings and contents insurance provider if I tutor from home?
You should check with your home buildings and contents insurer if you use your home for business purposes, as standard household insurance may not provide the cover you need for business activities or equipment. Separate business insurance can provide additional protection for your tutoring work.
Am I covered if I travel to a student’s house to conduct lessons and accidentally damage their property?
Public Liability insurance can protect you against third-party claims for accidental property damage where you or your business are responsible. This can apply when carrying out your teaching activities at a student’s home, subject to the policy terms and exclusions.
What is the difference between Public Liability and Professional Indemnity insurance for tutors?
Public Liability insurance protects you against claims from third parties for injury or damage to their property. Professional Indemnity insurance is designed to protect you against claims arising from mistakes, errors or negligence in your professional work, including allegations that your advice or services have caused financial loss.
Is insurance a legal requirement for private tutors and freelance teachers in the UK?
No, insurance is not generally a legal requirement for private tutors or freelance teachers in the UK. However, having the right cover can help protect you against claims relating to injury, property damage or professional mistakes. If you employ other tutors or staff, Employers’ Liability insurance may be a legal requirement.
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 03/09/2026. 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 present
ˆ10% introductory discount applies to the first-year policy premium only and is not available to current Creatives Insurance customers. Protectivity reserves the right to amend or withdraw this offer without notice. Available to UK residents only.
¹Based on live Feefo data