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Insurance for Music & Singing Teachers


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Tailored insurance for Music and Singing Teachers

Music and Singing Teacher insurance includes Public Liability, Breach of Professional Duty, and Personal Accident insurance in one cover. 

Why do Music & Singing Teachers need Public Liability insurance?

Imagine this: you are providing your regular lesson to a student when suddenly the seat they are sitting on breaks and results in the student falling backwards hitting their head on the floor and breaking their instrument. 
While this is bad enough, did you know that any injury or property damage incurred by the student may result in them holding you responsible and submitting a claim for costs, expenses and damages against you? 

The Music & Singing Teachers Public Liability insurance policy we arrange covers your legal liability if a third-party property damage and/or bodily injury occurrence arises from your actions or your business activities.1    

Why do Music & Singing Teachers need Breach of Professional Duty insurance?

Consider this: if an allegation is made by a third party who believes you have breached your professional duty regarding an act, error or omission and holds you legally liable for the impact it has on them, would you have the funds to defend the allegation? And, how would this impact your business? 

The Music & Singing Teachers Breach of Professional Duty insurance policy we arrange covers you for any claim, and costs to defend said claim, as a result of a breach of professional duty which arises from an act, error or omission by you during the conduct of your business and is first made against you during the period of insurance.1  

 

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Cover benefits of Music & Singing Teachers insurance:

Public and Products Liability cover
Public Liability $20,000,000 any one occurrence.

Products Liability $20,000,000 for any one occurrence and in the aggregate of any one period of insurance.

Goods in your Care, Custody or Control $100,0001 for any one occurrence and in the aggregate of any one period of insurance.
Wrongful Allegations cover
Cover for your costs of defending a wrongful allegation of molestation, interference or assault.

$500,000 for any one claim and in the aggregate of any one period of insurance.

This is a claims made policy.1
Personal Accident cover
Cover for loss of income if you suffer an injury resulting in a permanent or temporary total disablement from an insured event.1
Worldwide cover
Covers you for work anywhere in the world except North America1
Breach of Professional Duty cover
$1,000,000 for any one claim and $2,000,000 in the aggregate of any one period of insurance.

This is a claim made policy.1
Cover for work in schools
This cover meets the insurance requirements needed if you work in schools.1

Better for Music & Singing Teachers in 3 simple ways

Frequently Asked Questions

Why do Music and Singing Teachers need Personal Accident insurance?

It covers your loss of income if you suffer an injury resulting in a permanent or temporary total disablement from an insured event.

How much is Music & Singing Teachers insurance?

We arrange insurance designed for Music & Singing Teachers at the competitive price of $279.00.3

What does Music & Singing Teachers insurance cover?
Public and Products Liability1:
 
Public and Products Liability insurance covers you for your legal liability if you have a third-party property damage and/or bodily injury occurrence arise from your actions or your business activities.
Cover also includes students whilst performing at recitals or camps, and your own personal performance as a musician.
 
Breach of Professional Duty1:
 
Covers you and your defence costs for any claim because of a breach of professional duty which arises from an act, error or omission by you during the conduct of your business and that is first made against you during the period of insurance.
 
Personal Accident1:
 
You’re covered 24 hours a day, 7 days a week for loss in income associated with music or singing tuition. 
Are there other policies to consider in addition to Music & Singing Teachers insurance?

Yes, you have to option to purchase the following policy:

Musical instrument and Equipment insurance

Covers your musical and instrumental equipment and associated items in transit, during use and in storage against accidental loss or damage including theft.

 

  1. Subject to full terms, conditions and limits of the policy. Please review the full policy wording for more information. 
  2. We will process your certificate of currency request instantly but, depending on your internet speed and email server, it could take a few minutes to get to your inbox.  
  3. Pricing takes into account eligibility/referral/underwriting questions. Excluding optional extensions. Government charges will differ from state to state and can affect the premium payable.

Music and Singing Teachers Liability insurance is arranged by Aon Risk Services Australia Limited ABN 17 000 434 720 AFSL 241141 (Aon) as agent for the insurer, SLE Worldwide Australia Pty Ltd, ABN 15 066 698 575, AFSL 237268, who act on behalf of Certain Underwriters at Lloyd’s.

Music and Singing Teachers Personal Accident insurance is arranged by Aon Risk Services Australia Limited ABN 17 000 434 720 AFSL 241141 (Aon) as agent for the insurer, Accident & Health International Underwriting Pty Ltd, ABN 26 053 335 952, AFSL 238261, who act on behalf of Insurance Australia Limited, ABN 11 000 016 722, AFSL 227681 trading as CGU Insurance.

If you purchase this insurance, Aon will receive a commission that is a percentage of the premium. Further information can be found in our FSG click here or provided upon request.

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