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Teachers and Tutors Insurance

Easy, quick and bespoke business insurance for teachers, tutors and trainers.

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Trusted by over 23,000 clients for their business insurance
Quick and easy online cover for your profession
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insurance for teachers, tutors and trainers

Caunce O’Hara business insurance for teachers and tutors offers cover for a broad range of education professionals, including school teachers, supply teachers, coaches and corporate trainers, training providers and consultants, management trainers, music teachers, dance teachers and private home tutors.

The policy will cover legal fees incurred to defend claims of alleged negligence by your clients.

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What is teachers and tutors insurance?

Teachers and Tutors indemnity insurance is designed to protect against claims of negligence and poor advice from a client.

The insurance policy will provide cover to protect you and your business against the legal implications that may arise if you make a mistake during the course of your work.

Why do teachers and tutors need insurance?

Being a teacher or a tutor sees you working closely with people on a daily basis, giving guidance and advice as an important part of your job.

Whether you work full-time or part-time or freelance, our business insurance for teachers and tutors offers a vital source of protection against the risks you face in your profession.

Allegations of poor tutoring, or a student injuring themselves whilst in your workplace or under you care, or the theft of a laptop containing a students’ coursework, could have a negative affect on your business.

Carrying a comprehensive business insurance policy will give you the reassurance that you’re covered for circumstances that are out of your control, allowing you to concentrate on your daily activities.

Why choose Caunce O'Hara for your business insurance?

As freelance insurance experts, we're your number one choice for your business protection.

Caunce OHara business insurance for contractors and freelancers

Trusted by over 23,000 clients for their business insurance.


Immediate cover available, with documents issued via email in minutes!


Over 25 years’ experience of insuring self-employed professionals, including freelancers, contractors, and small business owners.

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I had spoken to Caunce O'Hara prior to the transaction and it all went smoothly for me. I have used them now for 12 years.
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Excellent Customer service and value for money. Best public liability, professional indemnity and employers liability insurance offer I’ve come across.
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Company insurances renewed for another year with Caunce O'Hara. No drama, issues or concerns.
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Frequently Asked Questions

As a teacher, tutor, coach or trainer you are employed by your clients for your ability to provide education and training to a level that meets your clients’ desired requirements, such as a formal qualification e.g.: certificate or diploma.

With Caunce O’Hara you can build a personalised insurance policy that will provide cover if a claim of alleged negligence in your work is made against you by your client.

A couple of examples could include:

  • You are employed by a company to deliver corporate training to the company’s sales team, giving them clear instructions to follow. The sales team implement your recommendations and instructions and the sales figures drop. The client makes a claim against you for negligent advice.
  • You are contracted as a supply teacher in a school. A student is injured while in one of your classes and the parents make a claim against you for damages. Public liability insurance will respond to provide you with cover in this instance.



With Caunce O’Hara’s intuitive online quote and buy system you can get an indicative quotation for your Teachers and Tutors insurance in a matter of minutes. Professional indemnity insurance can start from as little as £98.00 per annum.

An example quote: a Home Tutor with an annual turnover of up to £50,000 per annum, with £500,000 indemnity limit in any one claim, would pay £192.00 per annum for professional indemnity insurance. That’s only  £16.00 a month, which we think is great value considering the cover and peace of mind that you benefit from (Figure correct as of 09.11.2021).

Apart from Professional Indemnity insurance teachers, tutors, coaches and trainers will be required to carry Public Liability insurance as part of their contractual obligations.

It is important to be aware that as a self-employed business owner, a claim can be made against you personally with unlimited personal liability, therefore Directors and Officers insurance is a valuable insurance policy which will cover you in this instance.

Legal Expenses insurance will also provide cover for costs incurred from a legal occurrence or claim that your indemnity and liability insurance does not cover, including the costs incurred from an IR35 tax investigation.

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Call 0333 321 1403

Our understanding of the freelance sector and the challenges you face daily, enables us to tailor our insurance products to meet your needs. Contact us to talk about your insurance requirements and to better understand the insurance we offer.

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Contact Caunce O'Hara for your business insurance today