Types of Insurance for Music Teachers

Home tutoring has become an emerging profession around the world. In this profession, a teacher doesn’t teach within the confines of a traditional institution (such as a school or college) but teaches in a free and open environment. All rules are self-made and practiced and students have the opportunity to interact closely with the teacher. Since tutoring has become a preferred career option for many, it has become necessary to purchase tutor insurance. This is the kind of insurance that is specially designed for tutors. Among the various kinds of tutors who are currently offering their services to children, music teachers are probably the most popular ones.

Parents nowadays are keen to teach their children music and hence lookout for professional music teachers. Since music tutoring at home or from a privately-run school is in huge demand but isn’t without its share of risk, it only makes sense for music teachers to think about insurance. Insurance is one of the sure-shot ways in which musicians can safeguard themselves as well as their precious equipment and instruments.

If you are a musician and looking for a good music teacher insurance, the first thing you need to do is look for a reputed insurance company. Nowadays there are insurance companies which offer niche policies for musicians, music tutors, retailers and so on. Purchasing insurance for such companies gives you a profitable deal as you get exactly what you want. Most insurance companies offer three types of coverage to music teachers. They are –

Public Liability Insurance Cover
   
Public liability cover protectsa music teacher in case one of his students (or any person visiting him) gets personally injured due to a negligent action or inaction. For example, a student trips over an extension cord kept in the room and injures his head and cites your negligence as the reason for his injury. In such a case, the person (student) may demand for compensation and that’s when a public liability cover can help the teacher to pay for the losses.

Professional Liability Insurance Cover

Professional liability cover protects a music teacher when during the course of imparting his professional duties he unknowingly harms a student. For example, while teaching a student how to play the chords of a guitar, if the teacher unintentionally twists the wrists of the student and causes him pain, a professional liability cover can help if the student demands for compensation.

Protection against Charges of Abuse

Nowadays teachers have to be very careful while dealing with young adults. If a student charges a music teacher with a case of sexual, physical or emotional abuse, it becomes very difficult to prove one’s innocence. A music teacher can get a policy protection against such cases which covers all legal defense costs. However, it is important that the teacher proves his innocence in front of the court before claiming anything from the insurance company.

Music teacher insurance is a simple yet effective way of protecting one’s professional career and rising above legal hassles and claims. Teaching students can be fun but adequate protection is also necessary in today’s time.