It is not mandatory, however it’s advisable for tutors to get professional indemnity insurance, which protects against legal liability in the case of misconduct or professional malpractice. Since tutoring is a profession where you are providing professional advice, your business risks legal claims of negligent service.

Public Liability is an important cover for any business that interacts with members of the public. One of your clients or a member of the public could fall and hurt themselves or damage their property on your premises. This could lead to them making a claim against your business, and you could be held liable. Even if you don’t operate out of a business premise, and only see clients in their homes, Public Liability should still be considered as any interaction with the public or your clients in person holds a level of liability risk.

You will find details of how to make a claim in the policy wording you receive from us. However, we also appreciate that having to make a claim can be a stressful time which is why as your advocate we are always on hand to help with any questions. Please do not hesitate to call us on 1800 020 339 or email [email protected]

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.

Your renewal offer, schedule and tax invoice will be emailed to you approximately 30 days before your renewal date. Please ensure you review the details of our offer carefully (remember pricing and coverage levels may have changed so it is important to review). If you are happy with the offer and wish to accept, simply make payment by the date specified on the tax invoice.

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 protected] and we will pick up your query on the next business day.

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 [email protected].

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.

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.

If you operate your practice from home, Professional Indemnity is still relevant as the risk of clients alleging professional negligence on your part is still applicable. It's likely at some point, you will meet with clients in person, whether that's at their home, or out in public, so Public & Products Liability is also very relevant for you. Business Insurance can also help cover the cost of your office equipment such as mobile phone or laptop if they're stolen or damaged.

Your high-value client base, the commercially sensitive information you hold about them and the raft of cloud based and online technologies you use all make you susceptible to cyber crime. For cyber criminals, attacking your system wouldn't require much effort on their part, but the ramifications for you (and your clients) could be far-reaching. Cyber Insurance can therefore help safeguard your business's viability if you do fall victim to an attack, and help make sure you're not left with substantial out of pocket costs to rectify your IT systems and get your business back up and running.