{"id":15443,"date":"2019-03-27T10:51:50","date_gmt":"2019-03-27T10:51:50","guid":{"rendered":"https:\/\/www.policybee.co.uk\/blog\/?p=15443"},"modified":"2024-07-08T19:34:11","modified_gmt":"2024-07-08T18:34:11","slug":"public-liability-insurance-tutor","status":"publish","type":"post","link":"https:\/\/www.policybee.co.uk\/blog\/public-liability-insurance-tutor","title":{"rendered":"Do private tutors need public liability insurance?"},"content":{"rendered":"
\n
\"A<\/figure>\n<\/div>\n\n\n

In short, yes, they do. Or at the very least they should think seriously about it. <\/p>\n\n\n\n

The alternative is to learn from experience – and that can prove a very costly lesson indeed.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Why public liability insurance is a good idea for tutors<\/h2>\n\n\n\n

On the face of it, tutoring falls into the \u2018really quite safe\u2019 bracket of occupations. It\u2019s hardly<\/g> on a par with the risks a steeplejack takes, after all. Unless, of course, you happen to be schooling people in the art of fire-eating or knife-throwing.<\/p>\n\n\n\n

So, let\u2019s say you\u2019re what would be considered the regular kind of tutor. The kind that goes to peoples’ houses to help kids prep for their maths exam or to sharpen up their essay writing skills. Maybe they come to your house instead.<\/p>\n\n\n\n

So far, so safe. The lesson\nproceeds to plan and everyone\u2019s happy. By the end of the hourly slot your\nstudent\u2019s made some progress, and you\u2019ve earned a fee. All in all, it\u2019s a\nmasterclass in how the tutoring game works.<\/p>\n\n\n\n

But what if something unexpected happens and someone or something gets hurt in the process? What could the consequences be?<\/p>\n\n\n\n

<\/p>\n\n\n\n

Murphy\u2019s Law<\/h2>\n\n\n\n

Say you\u2019re tutoring from home and,\nas your student walks through the door, your attention-seeking cat winds itself\naffectionately round their legs\u2026causing your student to fall and break an arm. Worse,\nit\u2019s the arm they use for writing. <\/p>\n\n\n\n

The same sort of thing can happen to a parent collecting their child. Whether they fall foul of the cat, a rucked-up rug, or any other type of trip hazard, the potential for injury remains the same. Plus, if it happens on your premises, the blame\u2019s on you.<\/p>\n\n\n\n

And it\u2019s not just people that get accidently hurt, either. Property, potentially worth a lot of money, can get damaged too.<\/p>\n\n\n\n

Say you\u2019re hard at work with your student, poring over an English set text. It\u2019s a hot day and you\u2019ve got a glass of water to hand. But in reaching for it you somehow knock it over…and suddenly your student\u2019s top-of-the-range MacBook is awash. Then the screen goes blank. <\/p>\n\n\n\n

End of lesson.<\/p>\n\n\n\n

<\/p>\n\n\n\n

A lesson in tutors\u2019 public liability insurance<\/h2>\n\n\n\n

The thing is, whether the damage is\nthe kind that hurts people or their property, both can hurt your bank balance.\nAnd that\u2019s because people will want compensating – either for the pain and\ninconvenience of bodily injury, or for the cost of fixing and replacing damaged\nitems.<\/p>\n\n\n\n

Claims can cost \u00a3thousands. Because someone whose son has been unable to sit their GCSE papers as normal because their arm is in a cast will want payback. And a claim for a ruined MacBook alone can be more than \u00a32,000. That\u2019s without even considering the legal fees that are part and parcel of any claim.<\/p>\n\n\n\n

Then there\u2019s your reputation to consider. A lot of tutoring works by word of mouth. If you get an in with a certain school,<\/g> or a particular set of parents, then your contact details tend to be passed seamlessly from one person to the next.<\/p>\n\n\n\n

But if there\u2019s a problem, like there’s a compensation claim you dispute or simply can’t cover through lack of funds, that\u2019s when things can go wrong. Your name is suddenly whispered in less flattering terms. Word of mouth becomes moan of mouth. And the work starts to fall off.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Top marks for professionalism<\/h2>\n\n\n\n

It doesn\u2019t take a Mensa IQ to realise<\/g> that protecting yourself with public liability insurance<\/a> makes good common sense for tutors. That\u2019s because accidents happen, as sure as some of your students won\u2019t do their homework. And whether those mishaps happen in your home or elsewhere, you’re covered.<\/p>\n\n\n\n

If someone or something does get hurt while you’re working, public liability insurance acts in two important ways \u2013 both of which can save your financial bacon. First, it buys you legal expertise (and we all know how expensive solicitors’ bills can be). Second, it covers any compensation you’re liable for.<\/p>\n\n\n\n

It also gives you that professional edge, demonstrating that you\u2019re serious about both your business and your clients\u2019 welfare. And it ensures that if there is a claim, it\u2019s dealt with quickly and effectively by experts, leaving you free to concentrate on your students. So, it helps to protect your reputation too.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Top-class protection<\/h2>\n\n\n\n

Preparation is everything in tutoring. A lot of what you do is focused on getting your students ready for their exams. Equally important is preparing for all eventualities \u2013 including the possibility of public liability claims. It\u2019s a matter of practising<\/g> what you preach.<\/p>\n\n\n\n

Read more on public liability insurance<\/a> and what it does, or head to our teachers and tutors’ insurance<\/a> page for more guidance.<\/p>\n\n\n\n

Or, if you’d prefer to talk to someone about your tutor insurance needs, call us on 0345 222 5391<\/strong>.<\/p>\n\n\n\n

Image under license from Shutterstock.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

In short, yes, they do. Or at the very least they should think seriously about it. The alternative is to learn from experience – and that can prove a very costly lesson indeed. 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