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Teaching insurance is specialised business insurance for private teaching or tutoring firms, sole traders and contractors.
You can buy different types of insurance:
Employers liability insurance - covers costs if employees are harmed
Public liability insurance - covers costs if members of the public are harmed
Business contents insurance - covers costs if equipment is lost, damaged or stolen
🚩 Employers liability insurance is a legal requirement if you have staff
🚩 Clients may insist you have public liability insurance
Whether you own a firm or are a self-employed tutor or private teacher, insurance can financially protect you if something goes wrong at work.
Without insurance you could end up paying some very high costs if your equipment is stolen, your employee is hurt, or a client is unhappy with your teaching abilities.
If you are a UK business and you have any non-family members working for you then by law you must have employers' liability insurance.
Without it, you can be fined up to £2,500 for every day you're not insured[3].
If anyone becomes ill or injured because of your work you could be responsible for the associated costs, including expensive compensation claims. This is far from an unlikely scenario: an average 47,000 construction workers are injured each year.[4]
Employers' liability insurance covers harm caused to employees, contractors, volunteers and anyone else doing any work for you. It's also a legal requirement.
This also included ex-employees. For example, if a worker falls off a set of ladders or electrocutes themselves and has issues years later they could sue their old employer for failing to put adequate health and safety measures in place.
Many people are wary about hiring private tutors who do not have comprehensive insurance policies in place, and some organisations have policies prohibiting them from hiring uninsured private teaching companies.
Government contracts, for example, will usually insist you have a public liability insurance policy of at least £5-£10 million.
Things can unexpectedly go very wrong when you are working with students. If, for example, a student gets injured or sick while you're teaching them, you could be responsible for the associated costs, including expensive compensation claims.
Public liability insurance covers harm to members of the public. It is not a legal requirement, but some clients will insist you have it, especially if you do teaching for commercial clients.
There are many ways you could accidentally cause damage to a client's property while teaching. From spilling a drink on a client's computer to your student tripping over one of your instruments or cables.
These things could end up causing expensive damage that owners may expect you to pay for.
With public liability insurance your insurance provider will pay the costs of accidental damage to other people's property, whether that's a client, supplier or member of the public.
Business contents insurance can help you recover the cost of losing company equipment to fire, flood, theft and other disasters.
You can be taken to court if a client or a member or the public believe they have been physically or financially harmed because of your company's business activities.
Tutoring businesses could be found liable for anything from teaching students incorrectly, to other forms of misconduct such as showing up late or being accused of bullying.
Public liability insurance can cover the legal fees and compensation payouts in the event of a claim.
That's how much was paid out in 2024. Without business insurance, those customers would have faced paying that bill themselves.
Comparing quotes from different insurers allows you to find the best deal out there.
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Public liability insurance protects you if your work harms members of the public.
Employers’ liability insurance protects you if your staff become ill or injured at work.
Business interruption insurance protects against disruption from events like fires.
Business contents insurance protects equipment, including in home offices.
Personal accident insurance protects you if you're injured.
Professional indemnity insurance protects you if you are accused of negligence.
Cheapest Annual Price | Average Annual Price | |
|---|---|---|
Public liability | £55.43[8] | £84.27[9] |
Professional indemnity | £39.12[10] | £78.40[11] |
Employers liability | £74.21[12] | £203.58[13] |
The table shows the average prices paid by our customers for the most common types of business insurance.
Average price means 51% of customers paid this amount or less. Cheapest price means 10% of customers paid this price or less.
According to our latest data, 10% of customers paid this when taking out an annual public liability insurance policy.
The cost of fixing insurable problems yourself is usually significantly more expensive than taking out insurance.
Almost 9 in 10[15] of business insurance claims made by MoneySuperMarket customers were accepted last year.
All insurance has conditions and exceptions, so you should read your policy documents carefully to make sure you know what is and isn't covered.
When it comes to business insurance, the cheapest option may not be the best option for you. Sometimes it is worth paying a little more to get a better level of cover.
Financial loss: Compensation payouts to third parties that had their person or property harmed by your work activities
Business van insurance: Standard motor insurance policies won't usually cover vehicles that are used for work
Legal expenses insurance: For things like employment disputes, property disputes, and tax investigations
Accidental death: Offers a lump sum should you or an employee die as a result of an unforeseen incident
Tools and equipment: Cover to repair and replace business equipment that is damaged or stolen
Business contents: Covers items such as office furniture or computers and phone systems for if they’re damaged or stolen
Professional indemnity: Covers you if your business is responsible for any professional negligence
Personal accident insurance: Offers a lump sum payment if you or an employee are hurt and no longer able to work
Intentional harm or damage: Either by yourself or an employee
Poor workmanship: Most insurance policies won't cover you for events that are caused by incompetence, although professional indemnity will cover you for some types of negligence
Drugs or alcohol: If you or your employees were under the influence when the event you want to claim for occurred
Damage to property being worked on: Some policies won't cover damage to a person's property caused while you are working on it
Wear and tear: Insurance won't pay out for damage or breaking of tools or equipment that are the result of general wear and tear
Breach of contract: Some types of insurance will exclude cover for costs arising from you breaching a contract
Improper use of business vehicles: If you're using vehicles for work purposes without declaring that to your insurer, or if the person driving is not covered by the policy
Yes, teachers are generally allowed to tutor privately, but they should check their employment contract for any restrictions.
Yes, private tutoring typically counts as self-employment. When you provide tutoring services independently, either directly or through a company, you are generally considered a self-employed person or freelancer.
Yes, you can work without business insurance if it's just you teaching as an individual and you have no employees. However, if you employ staff, having employers' liability insurance becomes a legal requirement.
The cost of teaching insurance varies depending on lots of things including the amount of cover you buy, what subjects you teach, and where you teach. That’s why it’s important to compare policies and prices to make sure you’re getting the right policy at the best price.
Teaching is one of the most important jobs in the world and it can be done in lots of different ways - from home, from a school, or online. Unless you’re working in a school, you might want to think about buying insurance to give you some extra protection.
It can cover you if you’re unable to work, for example. Last year 1.7 million working people suffered from a work-related illness and if this happens and you’re self employed you would need to cover your lost income from savings, if you have them.
Insurance can also cover things like your belongings, or legal costs if someone makes a claim against you.
Rebecca Goodman Personal Finance & Insurance Expert
MoneySuperMarket has won the Feefo Platinum Trusted Service Award, an independent seal of excellence, which recognises businesses that consistently deliver a world-class customer experience.
If you’re a self-employed teacher, income protection can be a useful policy to have. It can provide cover if you’re unable to work, although there are usually restrictions so always read the terms and conditions carefully.
You may need to take out extra insurance if you’re teaching in a different country. This could be provided for you, with your employer, or you may need to take out your own policy. If you already have insurance, check with your provider to see if you’re covered to teach in a different country.
Lots of teachers have second jobs but you will need to check your employment contract to make sure this is permitted. You may also have to file a self-assessment tax return to pay tax on your extra income if you have a second job.
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One of the best ways to get the lowest prices and best deals is to compare quotes from different companies. We do the work for you, comparing quotes side-by-side and giving you all the information you need so you can choose the right deal for your needs and your wallet.
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Our goal is to search deals from as wide a range of companies as possible so that you can choose the deal that suits you.
No, at this time business insurance is not an eligible product for unlocking our SuperSaveClub rewards. It is also not included in our Price Promise.
According to Simply Business data, 10% of customers paid £4.62 or less monthly for public liability insurance policy with Simply Business. Figure based on annual quotes purchased between 1st February- 30th April 2025.
Simply Business is one of the UK's leading providers of business insurance, serving 1 million customers across 1,500 trades.
Source: Gov.uk
Source: UK Government's Construction Statistics in Great Britain Report 2024
Simply Business data 2024
YouGov Survey 1st October 2023 to 30th September 2024. Net recommended score derived from “Which of the following online service website would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=19272, CompareTheMarket n=17631, Go.Compare n=10457, Confused.com n= 8421, Uswitch n=681)
From 01.06.23 to 31.05.24 MoneySuperMarket customers received £1.59bn estimated savings based on (i) SuperSaveClub reward redemptions, and (ii) savings claims per product multiplied by the number of sales. Products included - Car, Home, Pet and Travel insurance, Broadband, Credit Cards, Loans and Mortgages.
According to Simply Business data, 10% of customers paid £55.43 or less annually for public liability insurance policy with Simply Business. Figure based on annual quotes purchased between 1st February- 30th April 2025.
According to Simply Business data, 51% of customers paid £84.27 or less annually for public liability insurance policy with Simply Business. Figure based on annual quotes purchased between 1st February- 30th April 2025.
According to Simply Business data, 10% of customers paid this or less annually for a professional indemnity insurance policy with Simply Business. Figure based on annual quotes purchased between 1st February- 30th April 2025.
According to Simply Business data, 51% of customers paid £78.40 or less annually for professional indemnity insurance policy with Simply Business. Figure based on annual quotes purchased between 1st February- 30th April 2025.
The price is for £10 million of employers' liability insurance and up to £2 million of public liability cover – 10% of customers paid this or less annually between 1st Feb - 30th April 2025.
The price is for £10 million of employers' liability insurance and up to £2 million of public liability cover – 51% of customers paid this or less annually between 1st Feb - 30th April 2025.
Average claims value for MoneySuperMarket customers who claimed on their business insurance in the last 12 months. Data provided by SimplyBusiness.
88% of business insurance claims made by MoneySuperMarket customers were accepted in the 12 months before March 2025. Data from SimplyBusiness.
