subject: If You Are A Teacher Then You Need Teachers Insurance. [print this page] It does not matter what or who you teach, you are putting yourself in the firing line each time you stand in front of a room filled with people. Even one-to-one tuition can also come with its own risks, so it is definately worth protecting yourself with teachers insurance.
A teacher insurance policy will cover you if you teach a night class or provide private tuition. It is created for companies or individuals who offer such things as music lessons, training coarses for secretaries or other similar services. Whether you have got your own premises, teach in a pupils home or provide lessons somewhere else, getting liability cover is a great idea.
Teacher Employers Liability Insurance:
If you are a private firm that employs teachers, you will need to have employers liability insurance. This is a legal requirement and will protect you if any of your employees bring a claim against you. If one of your teachers are injured while at work or suffers a work-related illness, you could possibly be held responsible. Make sure you have adequate cover as not only is it against the law not to have employers liability, you could also suffer huge financial loss if a claim is brought against you.
Finding the correct fit:
Youll know from your teaching experience that no two students are the same. It is like that with teachers insurance too. Each teacher or tutor will require a policy which is individually designed for their needs.
We will help you find the right cover which is suited to your line of work. Even when you have been teaching for years, there is still a chance that something could go wrong, so having teachers insurance will always be there to help you out.
And you do not just have to be standing in front of a class to qualify for teachers insurance. Our cover is offered to tutors, NVQ assessors and trainers. You can take out cover as an individual or for your company if you employ a number of teachers. You will find many features of a teachers insurance policy that you need to think about. Here are a few to bear in mind:
Public liability insurance:
This is to protect you against claims made by members of public against you. If someone is injured as a result of your teaching work or has their property damaged, they could make a claim against you.
The minimum public liability cover you can get is for 1m, but if you work for a company who provides teaching services, your employer may insist on a higher amount of cover.
An employer running a school, college or private company can avail of up to 10m worth of cover. This may be required for work carried out in the public sector.
Professional indemnity insurance:
If you are the type of teacher who provides professional advice, you could be liable if that advice leads to financial loss, either due to negligence or it being inadequate. At BusinessInsured.co.uk, we can offer a wide range of professional indemnity cover from a minimum of 50,000 up to 5m
Teaching equipment cover:
For many, equipment is very important to their teaching business, especially if you are involved in practical training. BusinessInsured can also provide cover for laptops and other electronic equipment. When it comes to teachers insurance, go to the top of the class and get a quote from BusinessInsured today.
by: Stephen Drummonsy
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