Education consultants’ insurance

Classy cover ...

Professional indemnity
from
£7
a month

Professional indemnity insurance defends you against claims of negligence, breach of confidentiality, dishonesty, libel and slander. We offer up to £10,000,000 cover.

+ Public liability
£3.73
a month
£1,000,000 for physical damage and injuries caused by your business
+ Portable equipment
£4.67
a month
£2,000 to replace your laptop, tablet, phone etc

Summary of cover

A quick-reference, all-you-need-to-know guide to the insurance you’re getting.

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[0.2 MB]

Policy wording

The formal bit of the policy, detailing exactly what is and isn’t covered.

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[0.5 MB]
Based on an annual income of up to £25,000. All prices include IPT at 12%.
Quote online for turnovers up to £5,000,000, or call and talk to an expert.

A lesson in protection

Of all people, you know the value of effective education. Well, now you can use it to protect your business.

Knowing the risks you face is as important as knowing how to tackle them. Thankfully, having professional indemnity insurance means you don’t have to learn the hard way.

Why do education consultants need professional indemnity insurance?

Running a school isn’t easy. It’s a sign of the times that there’s as much focus on budgets and strategies as there is on teaching and learning. Throw in training, Ofsted, leadership, marketing etc too and it’s a full timetable.

It’s not surprising that some schools need all the help they can get. If it’s you who’s helping, you’ve got a big responsibility – there’s a great deal at stake. And giving bad advice or a losing a confidential document can spell expensive trouble.

So it’s likely what you do will be closely scrutinised, with a focus on results. The problem is, that leaves you vulnerable to allegations and claims you’ve not done what was asked, or that you’ve made a damaging mistake.

Naturally, you’re professional and conscientious and it’s unlikely you’ll get into trouble in the first place. But spurious allegations happen every day and, if you do find yourself with some explaining to do, education consultants’ insurance helps by appointing a legal expert to do the explaining for you (and paying them to do it). If it turns out you have done something wrong, it pays to fix your mistake and/or compensate the school too.

You need it because it’s reputation-saving protection, with the added bonus of legal expertise and deep pockets thrown in.

What could better than that?

How much professional indemnity insurance do I need?

With no statutory or legally-required minimum level of cover, it’s difficult to know where to start. Sometimes it’s decided for you by the contractual demands of the school or LEA, which helps. But sometimes it isn’t.

The first thing to remember is you can’t have too much cover. When you’re dealing with unknown quantities, it really is better to err on the side of caution.

Consider what you do, who you do it for and how much it’s worth. Think about worst-case scenario and what could go wrong. What’s the most expensive mistake you could make (or be accused of making)?

The second thing to remember is that your cover is just that. It protects your business. Think about the nature of the work you do, who you do it for, and what can go wrong. To be blunt, what can you be sued for and how much is it likely to cost?

Reading this guide might help. Feel free to call us if you’re still not sure.

What does professional indemnity insurance cover?

Negligence claims and allegations made against you by clients and third parties, because of mistakes you’ve made and things you’ve failed to do.

Specifically (but depending on the policy wording):

  • Defamation
  • Intellectual property infringement
  • Loss of documents or data
  • Negligent misrepresentation or misstatement
  • Employee dishonesty
  • Virus transmission
  • Breach of confidentiality
  • Failure of third-party equipment

But that’s not all. Some professional indemnity policies can fix a mistake before your client is even aware of it, thereby preventing a claim in the first place.

Clever stuff.

What else do I need?

Public liability insurance is for when you go out and about to schools or other offices. It’s for claims of physical damage to property and people. Useful if you’re clumsy.

Employers’ liability insurance covers your business if an employee sues it for damages. Claims are usually because they’ve suffered injuries and illnesses as a consequence of working for you. It’s a legal requirement for UK businesses with employees.

Office and property insurance covers the things in your office (furniture, plants, fixed IT equipment etc) and portable insurance covers gadgets and technical equipment away from the office (laptops, tablets, projectors etc). If you’re not sure it’s worth insuring, add it all up – it’s probably worth more than you think.

Business interruption insurance means you can still work when your office is out of action. Be it flood, fire or flea infestation, you’re covered for the costs of setting up elsewhere and for any lost revenue in that time.

Directors’ and officers’ insurance covers your company bosses. Anyone from regulators to shareholders to competitors can accuse you of not running a business with due care. Worse, directors are personally liable for their actions. The good thing is this insurance covers your defence costs and any compensation you have to pay. So you can put away your chequebook.

What other education consultants say ...
Very clear what I was getting for my money and very easy and quick to set up.
It was good to talk direct with someone who understood what I was asking for and knew what the policy would include and what it wouldn't include.
Website was easy to understand and I was able to identify the product I needed and sign up for it in minutes. This was followed up by post a couple of days later, which made me feel confident in the company.
Very helpful on the phone. Able to answer all my questions. Quick & efficient.
I found the service extremely helpful in obtaining the correct product for my needs: a very competitive price and the policy was emailed to me rapidly on the same day.
Read more than 2,200 positive reviews on Feefo

Prefer to chat?

We’re here Mon-Fri, 9-5.30.
Give us a ring on 0345 561 0320.
Or ask us to ring you.
Jane Aldous
Customer Service and Claims
Team Leader