Why do ATA Members need insurance?
Aon are proud to be the approved insurance partner for Australian Tutoring Association (ATA) and we are delighted to offer members insurance designed for Tutors. We are here to help you understand the unique risks of the education industry, and our team can help you with specialist insurance meeting the needs of Universities, Private Schools and Registered Training Officers. The ATA policy we offer covers you for Professional Indemnity, Public Liability and Products Liability with the optional adage of Business Insurance and other products as required. It provides peace of mind when any complaints emerge in your providing of tutorial services (as a tutoring business or individual tutor). We've negotiated a fair and competitive price for your cover and our service also comes highly recommended by our customers.
Why choose Aon for Tutors Insurance?
When it comes to insurance there are a few options available to you. Aon is committed to making life easier for you with insurance that’s easy to understand, buy and manage, so you can apply for a quote online and one of our team of friendly experienced brokers will call you back to discuss your quote and help you understand what insurances you may or may not need, but more importantly why. So, you can have confidence you’re making a better decision for you and your business.
Our professional indemnity covers you for up to $1m.
Our Public Liability covers you for up to $20m and is automatically included in your PI policy.
Product liability insurance protects against claims of personal injury or property damage caused by products sold or supplied through your business. It is designed to help protect your business by ensuring that if this happens, you don’t have to pay any legal or court costs.1
Our Product Liability policy covers you for up to $20m and is automatically included in your PI policy.
Cover benefits through Aon
The ATA policy arranged through Aon includes the following:
Cover for up to $1m as part of our ATA policy.
Cover for up to $20m as part of our ATA policy.
Cover up to $20m as part of our ATA policy.
Cost Exclusive Excess
Cost exclusive excess means the insured does not pay any excess towards the legal and defence costs, but only pays the amount of the excess towards the settlement of any claim .
Automatic cover for Sub Consultants
A sub consultant is a professional, who is appointed to carry out work that requires specialism.
Contractual liability insurance protects against liabilities that policyholders assume when entering into a contract.
It is important to keep your policy up to date with the changing shape of your business but also to keep your business and personal information up to date in the event of a claim. Should your business circumstances have changed, for example you have moved into a new premises or you have changed the services that you offer and you are not sure if your existing insurance covers it anymore then you can always call one of our experienced friendly brokers to discuss on 1800 020 339 during business hours.
How do I renew my policy?
A renewal invite is sent asking for confirmation to the following 3 questions:
- Any change to activities undertaken
- Any Known facts or circumstances which may result in a claim against you in the future that have not already been reported to Aon;
- Confirmation of an increase in income by more than 20%
What are your opening hours?
Our opening hours are 8.30am to 5.00pm Monday to Friday (AET, except public holidays). If you need to contact us out of hours you can email us at email@example.com and we will pick up your query on the next business day.
Can I pay for my policy monthly?
Yes you can, monthly payments can be arranged through a premium funding agreement with Hunter Premium Funding2 to help you spread the costs of your insurance across the year. Please note that the total overall cost is higher if you pay monthly. Contact us on 1800 020 339 or by email on firstname.lastname@example.org.
Is it mandatory for Tutors to hold Professional Indemnity Insurance?
While you take all the care to deliver professional advice and services to your students, an insurance claim can have a devastating impact on your tutoring business. Tutors may wish to get professional indemnity insurance, which protects you against legal liability in the case of misconduct or professional misconduct. Since tutoring is a profession where you are providing professional advice, your business risks legal claims of negligent service.
Why do I need both Professional Indemnity Insurance and Public Liability Insurance?
Professional indemnity insurance covers against allegations of professional negligence – such as making a mistake in your work or providing an inadequate service to your customers.
Public liability insurance covers against allegations of injury to a third party as a result of your negligence – for example, if a student or accompanying parent slipped, tripped for fell over and injured themselves on your premises. You would be covered against the legal costs, as well as any compensation payable to them, should they bring a claim against you for their injuries.
They’re both policies which are important to hold as a professional, regardless of your business size or location.
I operate my business from home, what insurance do I need?
If you operate your business from home, you still need to ensure you have the right insurance to protect your business. You may need Public Liability if you visit clients in person, whether that’s at your home, or out in public. It’s also advisable to consider business insurance to cover your laptop and home office equipment.
Do I need Cyber Insurance?
You may hold sensitive information about your students, such as their personal documentation, passports and other forms of identification. This type of information could make you a very appealing target for cyber criminals, so cyber insurance is another type of policy to consider protecting your business. It can help cover the financial losses you incur following a cyber-attack.
2Hunter Premium Funding is a third party independent of Aon, however Aon will receive a commission if you pay for your policy through a premium funding agreement with them.
ATA Policy is arranged by Aon Risk Services Australia Limited ABN 17 000 434 720 (Aon) on behalf of the underwriter, AAI Limited trading as Vero Insurance (Vero) ABN 48 005297 807 AFSL 230859. 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.