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Why All Music Teachers Need Specialist Insurance

If you teach others to play, then you want to make sure your students hit the right notes, not worry about what could go wrong. So, if you haven’t got around to renewing your policy and aren’t entirely sure why you need music teacher insurance, read on to find out why it should be top of your list this school term.

Firstly, not only do you risk not being allowed to teach, you may also be liable if a student suffers an injury in your class. What’s more, you may also have to fork out if your equipment is damaged or stolen, especially if you teach away from home. Even with the best intentions in the world, some accidents are unavoidable – what’s vital is to make sure you’re properly covered.

Thankfully, this is where Insure4Music’s specialist music teacher insurance comes in. We offer a range of cover for music teachers, designed to give you peace of mind and prevent you from falling ‘flat’. What’s more, if you take out cover with us before the start of the next school year, we’ll give you an exclusive 10% discount and you can set your policy to start anytime within the next three months. Read below to find out why you should protect yourself with Insure4Music.


music teacher insurance

Public Liability and Professional Indemnity Insurance

Whether you conduct lessons from home, at school or at a student’s house, Public Liability insurance is vital in enabling you to work.  It protects you against unforeseen circumstances such as damage to third-party property or a student injuring themselves during your lesson. Essentially, Public Liability insurance is a stamp of professional approval. Most reputable teaching employers like schools and tuition businesses will ask for proof that you have music teacher insurance before you can begin lessons.

We provide Public Liability cover up to £5 million, which costs only £27 for the entire year with our exclusive discount.  Your Public Liability policy will also include Professional Indemnity cover up to £1 million as standard, which can protect your legal liability if you are deemed to have given negligent advice.

What’s more, you’ll get a certificate of Public Liability insurance sent straight to your inbox within minutes, so you have a copy in case you ever need it. In this sense, purchasing Public Liability insurance is a small price to pay to give yourself peace of mind.

We’re so confident you won’t find the same cover for less elsewhere that we offer a Lowest Price Guarantee. This means if you take out music teacher insurance with us and find the same levels of cover and terms elsewhere for less within 14 days, we’ll refund the difference. Get an instant quote now and give yourself one less thing to thing worry about when the new school year arrives.

music teacher insurance

Equipment Cover in and out of the home

To ensure you can continue teaching without worry, it’s essential you have Music Equipment cover. This protects against the costs of various scenarios which can arise when you’re teaching in or away from your home, such as theft, loss or accidental damage.

You could be out at a lesson and someone could break into your house and steal your equipment. You could be at practice and may leave your equipment either in a locked room or locked storage area while you take a break, and this could be stolen. Thieves can strike at any time and if your equipment is worth hundreds or even thousands of pounds and you don’t have specialist music insurance, you’d have to pay for replacements. This is because the majority of home insurance policies don’t cover your music equipment outside of the home.

Another common issue faced by music teachers is accidental damage. Unfortunately, accidents happen, and the risks are especially high if your instruments are transported regularly or played by your students.

At Insure4Music, our Equipment cover provides 24/7 protection whether your music equipment is at home, away from home or in your vehicle. We’ll even repair or replace your instruments within days once your claim is approved. Equipment cover starts from as little as £8.75 for the entire year depending on the instrument you are insuring. Thousands of pounds or £8.75 a year? You don’t need the brains of a teacher to work out the answer to that!

Our tailor-made policies mean you can pick the cover you want and only pay for the cover you need. If you want just Public Liability cover – no problem, you can purchase standalone cover. Want to cover your equipment? Add it to your policy in seconds.


To recap, here are the top five reasons to take out a music teacher insurance policy with Insure4Music:

  1. 24/7 cover in and out of the home – unlike most household insurance policies
  2. Up to £5 million worth of Public Liability cover available for just £27 a year, including FREE Professional Indemnity
  3. Lowest Price Guarantee on all quotes
  4. Simple, quick quote and buy online process
  5. Expert, friendly customer service team

Get an instant quote now >


See what our musicians say about us…

Anthony Mealings (July 2017) – ‘It was quick and easy to get insured and I received good cover at very competitive rate!

Joe Wilson (June 2017) –  ‘Insure4Music’s very simple, straightforward and informative website made the process of finding and purchasing the correct cover a trouble-free experience. I highly recommend them.’

Melvyn Leask (April 2017) – ‘The whole process of insurance often scares people, but the Insure4Music process was one of the simplest things I have done.’

Click here to read more of our musician reviews >

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