{"id":15489,"date":"2019-04-02T16:01:57","date_gmt":"2019-04-02T15:01:57","guid":{"rendered":"https:\/\/www.policybee.co.uk\/blog\/?p=15489"},"modified":"2024-07-08T22:07:01","modified_gmt":"2024-07-08T21:07:01","slug":"music-teacher-insurance","status":"publish","type":"post","link":"https:\/\/www.policybee.co.uk\/blog\/music-teacher-insurance","title":{"rendered":"Why music teachers&#8217; insurance is a must"},"content":{"rendered":"<div class=\"wp-block-image is-resized\">\n<figure class=\"alignright size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"300\" src=\"https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2019\/04\/close-up-shot-of-guitar-being-played_AdobeStock_288926704.jpg\" alt=\"Music teachers' insurance protects you from a whole bunch of risks that could drain your bank balance and damage your reputation\" class=\"wp-image-18804\" style=\"object-fit:cover;width:300px;height:150px\" srcset=\"https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2019\/04\/close-up-shot-of-guitar-being-played_AdobeStock_288926704.jpg 600w, https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2019\/04\/close-up-shot-of-guitar-being-played_AdobeStock_288926704-300x150.jpg 300w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/figure>\n<\/div>\n\n\n<p>Lucky you. As a music teacher, you get to combine your love of music with the way you make a living. From the outside, that looks pretty much like a pitch-perfect deal.<\/p>\n\n\n\n<p>And most of the time it is. But just as with any other profession, things aren\u2019t always guaranteed to go smoothly. The good news is, if there\u2019s a problem, music teachers&#8217; insurance can help you get back on song.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What could possibly go wrong?<\/h2>\n\n\n\n<p>Quite a few things, unfortunately.\nAnd we\u2019re not just talking about a disastrous school concert where the lead\nviolinist is more leaden than leading. We\u2019re talking about situations that can\ncost you serious money.<\/p>\n\n\n\n<p>Kids are clumsy, and that means\nthere\u2019s always an accident waiting to happen. Say they get their foot tangled\nin a music stand or simply trip over the lead from your electric guitar. If\nthey\u2019re injured as a result, and say it\u2019s your fault, a claim for compensation\ncan easily follow.<\/p>\n\n\n\n<p>\u2018Compensation\u2019 is a word that\u2019s engrained in 21<sup>st<\/sup>-century society, and people aren\u2019t afraid to go after it. And it doesn\u2019t matter if something like this happens when you\u2019re teaching at home, at a student\u2019s house or elsewhere. If there\u2019s a claim, you\u2019ll have to face the music.<\/p>\n\n\n\n<p>Then there\u2019s the chance you\u2019ll damage someone else\u2019s property. What if you spill a takeaway coffee over your student\u2019s expensive digital piano, trashing the motherboard? Or your bow arm knocks over a designer standing lamp in someone\u2019s house, shattering both the lamp and a set of patio doors? <\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Music teachers&#8217; public liability insurance<\/h2>\n\n\n\n<p>The point is, people and their\nproperty are easily hurt and if you\u2019re the cause, there\u2019s a good chance you\u2019ll\nbe asked to pay damages. Sometimes, for lot of money.<\/p>\n\n\n\n<p>That\u2019s where <a href=\"https:\/\/www.policybee.co.uk\/public-liability-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">public liability insurance<\/a> can help. It buys you legal expertise to handle the claim \u00ad\u00ad\u2013 something that can be both time consuming to arrange and expensive to finance. And it covers any compensation due, which saves your bank balance from a potentially ruinous hit.<\/p>\n\n\n\n<p>Don\u2019t forget too that public liability insurance can be worn as a badge of <g class=\"gr_ gr_4 gr-alert gr_spell gr_inline_cards gr_run_anim ContextualSpelling multiReplace\" id=\"4\" data-gr-id=\"4\">honour<\/g>, reassuring clients of your professionalism and serious attitude. While if you work in schools or for a tuition business, you\u2019ll probably need public liability insurance as a matter of course before you can take on a contract.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Equipment insurance for music teachers<\/h2>\n\n\n\n<p>What about your equipment? Your\nlivelihood depends on it, after all. If your instrument\u2019s damaged or it goes\nmissing altogether, the music stops and so do your earnings. Plus, there\u2019s\nrepair or replacement costs to consider \u00ad\u2013 so a real bum note.<\/p>\n\n\n\n<p>It\u2019s possible your kit is covered\nby your existing household contents insurance. But you need to check whether your\npolicy allows for business use, because many don\u2019t. It\u2019s important to read the\nsmall print and to look out for any exclusions, or you could be in for an\nexpensive shock when your claim is refused.<\/p>\n\n\n\n<p>If you teach away from home, you\u2019ll also want some protection in case your instrument is stolen, damaged, or lost. What if you leave it on the bus or on top of the car as you drive away, oblivious? What if you teach in a school and your instrument disappears during break-time?<\/p>\n\n\n\n<p>The best answer to keeping your musical instruments, amps, and whatever other kit you use protected is <a href=\"https:\/\/www.policybee.co.uk\/portable-equipment-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">portable equipment insurance<\/a>. If something happens, it pays to repair or replace it as new \u00ad\u00ad\u00ad\u2013 whether you\u2019re at home or anywhere else, including travelling from A to B.<\/p>\n\n\n\n<p>What\u2019s really handy is that it also pays for you to hire replacement equipment while yours is being fixed, or while you\u2019re waiting for <g class=\"gr_ gr_4 gr-alert gr_gramm gr_inline_cards gr_run_anim Grammar only-ins replaceWithoutSep\" id=\"4\" data-gr-id=\"4\"><g class=\"gr_ gr_4 gr-alert gr_gramm gr_inline_cards gr_run_anim Grammar only-ins replaceWithoutSep\" id=\"4\" data-gr-id=\"4\">new<\/g><\/g> kit to arrive. That means you can carry on working and earning in the meantime.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Music teachers&#8217; professional indemnity insurance<\/h2>\n\n\n\n<p>Other insurance you might want to think about protecting yourself and your career with is <a href=\"https:\/\/www.policybee.co.uk\/professional-indemnity-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">professional indemnity insurance<\/a>. It helps you face the music if someone says you didn\u2019t do your job properly. <\/p>\n\n\n\n<p>People can be precious about\ntheir children. If a parent thinks their son is the next Yehudi Menuhin but\nthey fail to bag the anticipated high grade in their exam, they might come\nafter you for compensation. Where there\u2019s blame, there\u2019s a claim, after all.<\/p>\n\n\n\n<p>They might say you didn\u2019t prepare\ntheir child thoroughly enough, which is why they underperformed. They might\nwant reimbursing for exam entrance fees, as well as money to cover the\nadditional tutoring they say their child needs to bring them up to the required\nstandard.<\/p>\n\n\n\n<p>The same applies if you\u2019re teaching from a syllabus, but somehow fail to cover a section. Or the syllabus has changed but you\u2019re none the wiser, so you end up teaching the wrong version. If students then fail their exams because of your alleged negligence, claims may follow. <\/p>\n\n\n\n<p>Music teachers\u2019 professional indemnity insurance helps you find your way through the legal complexities of a claim and takes care of the financial side too. It stumps up for a solicitor to fight your corner and handle all the paperwork. And it covers any compensation awarded, leaving you free to carry on teaching. <\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Worth making <g class=\"gr_ gr_3 gr-alert gr_gramm gr_inline_cards gr_disable_anim_appear Grammar only-del replaceWithoutSep\" id=\"3\" data-gr-id=\"3\">a noise<\/g> about<\/h2>\n\n\n\n<p>In an ideal world, you wouldn\u2019t\nhave to think about any of this stuff. Your music teaching career would be one\nof endless harmony, with not a duff chord to be heard.<\/p>\n\n\n\n<p>But this is real life, where mistakes are made, things get broken or stolen, and accidents happen. And if you ever find yourself at the sharp end of a claim, you\u2019ll find having the right music teachers&#8217; insurance invaluable. It\u2019ll take care of both the process and the costs, and keep you conducting business as usual.<\/p>\n\n\n\n<p>Preparation is everything. You&#8217;ll find more guidance on our <a href=\"https:\/\/www.policybee.co.uk\/teachers-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">teacher and tutors&#8217; insurance<\/a> page. Or, if you&#8217;d prefer to talk to a real-life person, call our friendly team on <strong>0345 222 5391<\/strong>. <\/p>\n\n\n\n<p> <em> Image used under license from Adobe Stock <\/em> <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Lucky you. As a music teacher, you get to combine your love of music with the way you make a living. From the outside, that looks pretty much like a pitch-perfect deal. And most of the time it is. But &hellip; <a href=\"https:\/\/www.policybee.co.uk\/blog\/music-teacher-insurance\">Continue reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":12,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[290],"tags":[150,140,204],"class_list":["post-15489","post","type-post","status-publish","format-standard","hentry","category-self-employed-and-freelance-advice","tag-managing-risk","tag-running-a-business","tag-teachers-and-tutors"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>Music teachers&#039; insurance: why do you need it?<\/title>\r\n<meta name=\"description\" content=\"Here&#039;s some noteworthy reasons why music teachers need insurance and a look at what types of cover can help them stay protected.\" \/>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/www.policybee.co.uk\/blog\/music-teacher-insurance\" \/>\r\n<meta property=\"og:locale\" content=\"en_GB\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"Music teachers&#039; insurance: why do you need it?\" \/>\r\n<meta property=\"og:description\" content=\"Here&#039;s some noteworthy reasons why music teachers need insurance and a look at what types of cover can help them stay protected.\" \/>\r\n<meta property=\"og:url\" content=\"https:\/\/www.policybee.co.uk\/blog\/music-teacher-insurance\" \/>\r\n<meta property=\"og:site_name\" content=\"PolicyBee news and risk advice\" \/>\r\n<meta property=\"article:published_time\" content=\"2019-04-02T15:01:57+00:00\" \/>\r\n<meta property=\"article:modified_time\" content=\"2024-07-08T21:07:01+00:00\" \/>\r\n<meta property=\"og:image\" content=\"https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2019\/04\/close-up-shot-of-guitar-being-played_AdobeStock_288926704.jpg\" \/>\r\n<meta name=\"author\" content=\"Kate Naqvi\" \/>\r\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\r\n<meta name=\"twitter:creator\" content=\"@PolicyBee\" \/>\r\n<meta name=\"twitter:site\" content=\"@PolicyBee\" \/>\r\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Kate Naqvi\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\r\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.policybee.co.uk\\\/blog\\\/music-teacher-insurance#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.policybee.co.uk\\\/blog\\\/music-teacher-insurance\"},\"author\":{\"name\":\"Kate Naqvi\",\"@id\":\"https:\\\/\\\/www.policybee.co.uk\\\/blog\\\/#\\\/schema\\\/person\\\/02f6db3fba7701d6c2445913ab17816b\"},\"headline\":\"Why music teachers&#8217; insurance is a must\",\"datePublished\":\"2019-04-02T15:01:57+00:00\",\"dateModified\":\"2024-07-08T21:07:01+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.policybee.co.uk\\\/blog\\\/music-teacher-insurance\"},\"wordCount\":1036,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/www.policybee.co.uk\\\/blog\\\/music-teacher-insurance#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.policybee.co.uk\\\/blog\\\/wp-content\\\/uploads\\\/2019\\\/04\\\/close-up-shot-of-guitar-being-played_AdobeStock_288926704.jpg\",\"keywords\":[\"managing risk\",\"running a business\",\"teachers and tutors\"],\"articleSection\":[\"Self-employed &amp; freelance advice\"],\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.policybee.co.uk\\\/blog\\\/music-teacher-insurance#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.policybee.co.uk\\\/blog\\\/music-teacher-insurance\",\"url\":\"https:\\\/\\\/www.policybee.co.uk\\\/blog\\\/music-teacher-insurance\",\"name\":\"Music teachers' insurance: why do you need it?\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.policybee.co.uk\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.policybee.co.uk\\\/blog\\\/music-teacher-insurance#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.policybee.co.uk\\\/blog\\\/music-teacher-insurance#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.policybee.co.uk\\\/blog\\\/wp-content\\\/uploads\\\/2019\\\/04\\\/close-up-shot-of-guitar-being-played_AdobeStock_288926704.jpg\",\"datePublished\":\"2019-04-02T15:01:57+00:00\",\"dateModified\":\"2024-07-08T21:07:01+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.policybee.co.uk\\\/blog\\\/#\\\/schema\\\/person\\\/02f6db3fba7701d6c2445913ab17816b\"},\"description\":\"Here's some noteworthy reasons why music teachers need insurance and a look at what types of cover can help them stay protected.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.policybee.co.uk\\\/blog\\\/music-teacher-insurance#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.policybee.co.uk\\\/blog\\\/music-teacher-insurance\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\\\/\\\/www.policybee.co.uk\\\/blog\\\/music-teacher-insurance#primaryimage\",\"url\":\"https:\\\/\\\/www.policybee.co.uk\\\/blog\\\/wp-content\\\/uploads\\\/2019\\\/04\\\/close-up-shot-of-guitar-being-played_AdobeStock_288926704.jpg\",\"contentUrl\":\"https:\\\/\\\/www.policybee.co.uk\\\/blog\\\/wp-content\\\/uploads\\\/2019\\\/04\\\/close-up-shot-of-guitar-being-played_AdobeStock_288926704.jpg\",\"width\":600,\"height\":300},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.policybee.co.uk\\\/blog\\\/music-teacher-insurance#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.policybee.co.uk\\\/blog\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Why music teachers&#8217; insurance is a must\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.policybee.co.uk\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/www.policybee.co.uk\\\/blog\\\/\",\"name\":\"PolicyBee news and risk advice\",\"description\":\"Articles and information on professional indemnity insurance, small business news and risk management\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.policybee.co.uk\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-GB\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.policybee.co.uk\\\/blog\\\/#\\\/schema\\\/person\\\/02f6db3fba7701d6c2445913ab17816b\",\"name\":\"Kate Naqvi\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/8a33feb6cf67ac6e21b99012a2d84120bda44ab9a697ad10265385d5fb819943?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/8a33feb6cf67ac6e21b99012a2d84120bda44ab9a697ad10265385d5fb819943?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/8a33feb6cf67ac6e21b99012a2d84120bda44ab9a697ad10265385d5fb819943?s=96&d=mm&r=g\",\"caption\":\"Kate Naqvi\"}}]}<\/script>\r\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Music teachers' insurance: why do you need it?","description":"Here's some noteworthy reasons why music teachers need insurance and a look at what types of cover can help them stay protected.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.policybee.co.uk\/blog\/music-teacher-insurance","og_locale":"en_GB","og_type":"article","og_title":"Music teachers' insurance: why do you need it?","og_description":"Here's some noteworthy reasons why music teachers need insurance and a look at what types of cover can help them stay protected.","og_url":"https:\/\/www.policybee.co.uk\/blog\/music-teacher-insurance","og_site_name":"PolicyBee news and risk advice","article_published_time":"2019-04-02T15:01:57+00:00","article_modified_time":"2024-07-08T21:07:01+00:00","og_image":[{"url":"https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2019\/04\/close-up-shot-of-guitar-being-played_AdobeStock_288926704.jpg","type":"","width":"","height":""}],"author":"Kate Naqvi","twitter_card":"summary_large_image","twitter_creator":"@PolicyBee","twitter_site":"@PolicyBee","twitter_misc":{"Written by":"Kate Naqvi","Estimated reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.policybee.co.uk\/blog\/music-teacher-insurance#article","isPartOf":{"@id":"https:\/\/www.policybee.co.uk\/blog\/music-teacher-insurance"},"author":{"name":"Kate Naqvi","@id":"https:\/\/www.policybee.co.uk\/blog\/#\/schema\/person\/02f6db3fba7701d6c2445913ab17816b"},"headline":"Why music teachers&#8217; insurance is a must","datePublished":"2019-04-02T15:01:57+00:00","dateModified":"2024-07-08T21:07:01+00:00","mainEntityOfPage":{"@id":"https:\/\/www.policybee.co.uk\/blog\/music-teacher-insurance"},"wordCount":1036,"commentCount":0,"image":{"@id":"https:\/\/www.policybee.co.uk\/blog\/music-teacher-insurance#primaryimage"},"thumbnailUrl":"https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2019\/04\/close-up-shot-of-guitar-being-played_AdobeStock_288926704.jpg","keywords":["managing risk","running a business","teachers and tutors"],"articleSection":["Self-employed &amp; freelance advice"],"inLanguage":"en-GB","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.policybee.co.uk\/blog\/music-teacher-insurance#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.policybee.co.uk\/blog\/music-teacher-insurance","url":"https:\/\/www.policybee.co.uk\/blog\/music-teacher-insurance","name":"Music teachers' insurance: why do you need it?","isPartOf":{"@id":"https:\/\/www.policybee.co.uk\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.policybee.co.uk\/blog\/music-teacher-insurance#primaryimage"},"image":{"@id":"https:\/\/www.policybee.co.uk\/blog\/music-teacher-insurance#primaryimage"},"thumbnailUrl":"https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2019\/04\/close-up-shot-of-guitar-being-played_AdobeStock_288926704.jpg","datePublished":"2019-04-02T15:01:57+00:00","dateModified":"2024-07-08T21:07:01+00:00","author":{"@id":"https:\/\/www.policybee.co.uk\/blog\/#\/schema\/person\/02f6db3fba7701d6c2445913ab17816b"},"description":"Here's some noteworthy reasons why music teachers need insurance and a look at what types of cover can help them stay protected.","breadcrumb":{"@id":"https:\/\/www.policybee.co.uk\/blog\/music-teacher-insurance#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.policybee.co.uk\/blog\/music-teacher-insurance"]}]},{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.policybee.co.uk\/blog\/music-teacher-insurance#primaryimage","url":"https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2019\/04\/close-up-shot-of-guitar-being-played_AdobeStock_288926704.jpg","contentUrl":"https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2019\/04\/close-up-shot-of-guitar-being-played_AdobeStock_288926704.jpg","width":600,"height":300},{"@type":"BreadcrumbList","@id":"https:\/\/www.policybee.co.uk\/blog\/music-teacher-insurance#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.policybee.co.uk\/blog"},{"@type":"ListItem","position":2,"name":"Why music teachers&#8217; insurance is a must"}]},{"@type":"WebSite","@id":"https:\/\/www.policybee.co.uk\/blog\/#website","url":"https:\/\/www.policybee.co.uk\/blog\/","name":"PolicyBee news and risk advice","description":"Articles and information on professional indemnity insurance, small business news and risk management","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.policybee.co.uk\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GB"},{"@type":"Person","@id":"https:\/\/www.policybee.co.uk\/blog\/#\/schema\/person\/02f6db3fba7701d6c2445913ab17816b","name":"Kate Naqvi","image":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/secure.gravatar.com\/avatar\/8a33feb6cf67ac6e21b99012a2d84120bda44ab9a697ad10265385d5fb819943?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/8a33feb6cf67ac6e21b99012a2d84120bda44ab9a697ad10265385d5fb819943?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/8a33feb6cf67ac6e21b99012a2d84120bda44ab9a697ad10265385d5fb819943?s=96&d=mm&r=g","caption":"Kate Naqvi"}}]}},"_links":{"self":[{"href":"https:\/\/www.policybee.co.uk\/blog\/wp-json\/wp\/v2\/posts\/15489","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.policybee.co.uk\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.policybee.co.uk\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.policybee.co.uk\/blog\/wp-json\/wp\/v2\/users\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/www.policybee.co.uk\/blog\/wp-json\/wp\/v2\/comments?post=15489"}],"version-history":[{"count":32,"href":"https:\/\/www.policybee.co.uk\/blog\/wp-json\/wp\/v2\/posts\/15489\/revisions"}],"predecessor-version":[{"id":25225,"href":"https:\/\/www.policybee.co.uk\/blog\/wp-json\/wp\/v2\/posts\/15489\/revisions\/25225"}],"wp:attachment":[{"href":"https:\/\/www.policybee.co.uk\/blog\/wp-json\/wp\/v2\/media?parent=15489"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.policybee.co.uk\/blog\/wp-json\/wp\/v2\/categories?post=15489"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.policybee.co.uk\/blog\/wp-json\/wp\/v2\/tags?post=15489"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}