Music teacher insurance with Public Liability cover

Specialist music teacher insurance for teachers, tutors, and educators

Who is specialist music teacher insurance for?

Specialist music teacher insurance provides a range of cover options designed to help financially protect music teachers, their equipment and teaching activities wherever lessons take place.

Public Liability-only policies also include a certificate as proof of cover, while policies for music teachers can include professional indemnity cover up to £1 million, alongside public liability insurance, allowing unlimited lessons, workshops and teaching sessions throughout the policy term.

Music teacher insurance can include cover for:

• Private music tutors – Who provide one-to-one lessons from home, at a student's home or in hired teaching spaces.
• School music teachers – Who teach individuals or groups in schools, colleges and other educational settings.
• Instrument tutors – Who teach guitar, piano, drums, violin, brass, woodwind and a wide range of other instruments.
• Vocal coaches – Who help students prepare for performances, auditions, examinations and vocal development.
• Workshop leaders – Who deliver music workshops for schools, community groups, charities and organisations.
• Online music teachers – Who provide remote lessons through video calls and online teaching platforms.

When might you need to consider music teacher insurance?

Teaching music can involve travelling between lessons, working with valuable instruments and teaching students in a range of environments. Specialist music teacher insurance can provide a range of cover options designed to help financially protect teaching activities, equipment, Public Liability and Professional Indemnity risks in a variety of situations.

Some common scenarios include:

• You teach one-to-one lessons from home, at a student's home or in a hired teaching space where accidental injury or damage to third-party property could occur.
• A school, community venue or teaching facility asks you for proof of Public Liability insurance before lessons begin.
• Musical instruments, teaching equipment or sheet music are accidentally damaged, stolen or lost whilst you’re travelling between lessons.
• You deliver group lessons or workshops where multiple students are using instruments and shared equipment, increasing the potential for accidental damage or injury.

What instruments and music equipment can I include on my policy?

Specialist music teacher insurance policies through Insure4Music can include:

• DJ and studio equipment
• Guitars
• Violins
• Drums
• Piano and keyboards
• Classical, string and percussion instruments
• Woodwind, reed and brass instruments
• PA systems and microphones
• Stage and lighting equipment

If you can’t find your music instrument or equipment listed above, view the complete list of the instruments we arrange cover for on our dedicated page.

To include multiple instruments and your music equipment in your policy, ensure you’ve added their value to the total amount insured in your quote. Your equipment is then financially protected up to a maximum value of £50k.