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Insurance for Music and Singing Teachers


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Insurance designed for Music and Singing Teachers

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

We have recently created a new policy and have reduced the total price to give you a more competitive offering.

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 seeking to hold you responsible and submitting a claim for costs, expenses and damages against you?

The Music & Singing Teachers Public Liability insurance policy we arrange provides cover for your legal liability if third party property damage and/or bodily injury arises from your actions or your business activities.2    

Why do you need Breach of Professional Duty insurance?

Consider this: if a third party alleges you have breached your professional duty 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 Liability insurance policy we arrange includes cover2 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 and notified to the insurer during the period of insurance.4  

 

Customers also purchased:

Equipment Insurance

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Cover benefits of our new music & singing teachers insurance2:

Public and Products Liability cover
Public Liability $30,000,000 any one occurrence.

Products Liability $30,000,000 for any one occurrence and in the aggregate in any one period of insurance.

Breach of Professional Duty $5,000,000 any one claim and in the aggregate any one period of insurance

Goods in your Care, Custody or Control $250,0002 for any one occurrence.
Worldwide cover
Covers you for work anywhere in the world outside of North America5
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.2
Vicarious Liability and Wrongful Allegations cover
Cover for your costs of defending allegations of molestation, interference or assault where you are vicariously liable for the actions of others, or where an allegation is wrongfully made against you.

$500,000 for any one claim and in the aggregate in any one period of insurance.1
Breach of Professional Duty cover
$5,000,000 for any one claim and in the aggregate in any one period of insurance.4

Improved 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 prices starting from $247.503 (inc. GST).
What does Music & Singing Teachers insurance cover?
Public and Products Liability2:
 
Covers you for your legal liability if you have a claim made against you for third-party property damage and/or bodily injury which arises from your business activities.2
 
Breach of Professional Duty:
 
Covers you and your defence costs for any claim 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 and notified to the insurer during the period of insurance.4
 
Personal Accident2:
 
You’re covered 24 hours a day, 7 days a week for loss of income associated with music or singing tuition after the 7-day excess period of the policy.
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

  1. This offer is available to all existing and new policy holders and will run for a fixed period of up to 12 months.

  2. Subject to full terms, conditions and limits of the policy. Please review the full policy wording for more information.

  3. Pricing takes into account eligibility/referral/underwriting questions. Excluding optional extensions. Government charges will differ from state to state and will affect the premium payable.

  4. Claim must be made against you and immediately notified to the insurer within the period of insurance. Failure to notify the insurer during the period of insurance may affect cover.

  5. North America is USA and Canada, you will need to inform Aon if you require cover in North America, please contact us on 1800 806 584 .  

     

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, XL Insurance Company SE, Australia Branch, ABN 36 083 570 441.

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 Music & Singing Teachers insurance for the Entertainment industry, Aon will receive a commission that is a percentage of the premium. Further information can be provided upon request.

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