Phone icon
Menu icon
Professional insurance
with a personal touch
We're here to help
0345 561 0320
Local rate & mobile friendly

Insurance for education consultants

19/10/2015

Creative Commons old fashioned classroom by Alan Levine_Flickr

Educating educators

Education experts: your country country’s schools need you.

Shrinking budgets, rigorous Ofsted inspections, academies on the rise, free schools on the flop, a slimmed-down national curriculum: the UK’s education landscape has gone through some seismic changes recently, no doubt about it.

Great news for you, of course. With many schools finding they need some expert advice to stay top of the class, education consultants are more in demand than ever before.

Educating educators might be what you do best but that doesn’t always guarantee you a gold star. Each client you work with, be it a school or an individual student, has the potential to become a success story. But would you bet your career on it?

Luckily, with professional indemnity insurance for education consultants you don’t have to.

How does it work? Time for a quick lesson …

School of hard knocks

Let's say you’ve made a professional mistake (unlikely we know, but bear with us). Perhaps you’ve given a school advice on a buying contract that’s not worked out, or lost a document containing students’ private details, or recommended a building contractor whose work has fallen short of the mark.

Embarrassing? Yes. Is your career over? Probably not.

Nine times out of ten, an apology is enough. Your contract terminates and you never work with that client again.

But let’s say you get a letter from your client, weeks or months later, accusing you of professional negligence and suing you for damages. If you don’t have professional indemnity insurance already in place then, unfortunately, you don’t have a leg to stand on. And the last thing you need is to see your career in free fall, your time and money frittered away in court.

But, educate yourself about PI insurance first and you’ll be covered for those (admittedly rare) times when your work doesn’t make the grade.

Live and learn

So how do you go about getting the right type of insurance?

Well, we’d recommend a quick look at our insurance packages for education consultants, for starters. The professional indemnity bit covers your mistakes, as well as things such as loss of documents, breach of confidentiality and defamation. If a claim goes to court, your insurer appoints a legal expert to defend your case, pays for your legal costs and any compensation you may have to pay out.

It also includes public liability insurance, for bodily injury and property damage claims while visiting schools and other offices. And portable equipment insurance for your laptop, mobile phone, tablet, or anything else likely to be lost, dropped or stolen while you’re out and about.

The Society of Education Consultants recommends you have PI insurance before you start any consulting work but it's not the end of the world if you don't. Just make sure you get retroactive cover for any work carried out in the past and you should still be covered.

No sweat solutions

If you work from your own office, either at home or anywhere else, think about whether you need office and business insurance to cover your equipment in case of accidental loss or damage (be it fire, flood or flea infestation). Or business interruption insurance, to compensate you for loss of revenue should your office become temporarily out of bounds.

And, if you’re an education consultancy firm with one or more employees, don’t forget that you’re legally required to have employers’ liability insurance. Skimp on it and you could be fined up to £2,500 a day. Yikes.

If in doubt, call one of our specialist advisers; they’ll ask you a few questions and figure out exactly what you need.

Or, just click here to get started on your quote.

If you liked this, you might like thesethis...

Professional insurance Q&A
Where do you start with professional insurance? Or finish, come to that? Our guide to what you do and don't need will help you decide.
What insurance do I need for my business?
What business insurance do I need? What don't you need, more like. If you're after a more helpful answer than that, try reading this.
Online retailer insurance guide
Selling online? Here's everything you need to know about online retailer insurance, including what you need and why you need it.

More Advice, News & Know-how

Sign up to being prepared and protected

Get reliable advice on protecting and fine-tuning your business or charity sent straight to your inbox. Plus, receive other occasional bits we think you'll enjoy, like competitions and offers. We promise not to swamp you, and you can unsubscribe easily.

Sign me up