Find insurance that meets the needs of home tutors

Cover review

• Teaching venues Covered at your home, pupils' homes and other teaching venues
• Damage to pupils' homesCovered for premises you use temporarily for lessons
• Damage to hired teaching roomsCovered; £100 excess unless fire or explosion
• Work in schoolsNo limit on school hours; indemnity to principals included
• Abuse and molestation allegationsThe wording neither excludes nor grants this cover; criminal acts are excluded once proven
• Mistakes in your tuition or adviceCovered under the civil liability section, within the shared £1,000,000 limit
• Lost exam papers and recordsIncluded
• When claims are coveredClaims made while the policy is in force
• Claims after you stop tutoring30 days to report claims only if Markel does not renew, or you decline its renewal terms
• Legal jurisdictionUK courts

Obligations review

• Safeguarding checksHold an Enhanced DBS check and keep the certificate. The condition applies where the law requires checks, such as school or agency work.
• Physical activitiesDo not run the listed activities (climbing, riding, trampolines, winter sports and similar) without specialist cover. If you do, those claims are not paid.
• Keep cover continuous (professional indemnity)Claims count when they are made, so a claim made after your cover ends is not covered.

Cover review

• Teaching venues Covered at your home, pupils' homes and other venues; public liability defence costs paid on top of the limit
• Damage to pupils' homes Covered for premises you use temporarily for lessons
• Damage to hired teaching rooms A room you hire counts as rented, and damage to it is excluded
• Work in schools No limit on school hours; indemnity to schools and agencies included
• Abuse and molestation allegations The wording's abuse cover is removed by endorsement, including defence of an allegation
• Mistakes in your tuition or advice Covered for negligence; defence costs come out of the limit
• Lost exam papers and records Your own paper documents restored; pupils' lost papers only via a negligence claim; digital records excluded
• When claims are covered Claims made while the policy is in force; the retroactive date is set on the schedule
• Claims after you stop tutoring No run-off; 14 days after expiry only for a problem found in the last 7 days
• Legal jurisdiction Countries and courts are set on the schedule

Obligations review

• Report injuries and allegations (public liability) Tell Hiscox immediately, and within 7 days at most, of any injury or abuse allegation that could lead to a claim. If not, the claim is not paid.
• Report complaints (professional indemnity) Tell Hiscox promptly, and before the policy ends (or 14 days after, if found in its last 7 days), of any criticism of your teaching. If not, the claim is not paid.
• Do not admit fault Do not admit fault or offer refunds without Hiscox's agreement. If you do, any payment can be reduced.

Cover review

• Teaching venues Covered at your home and pupils' homes; teaching in classrooms, tuition centres or hired rooms is excluded
• Damage to pupils' homes Damage to a pupil's home or its contents while you use it for lessons is excluded
• Damage to hired teaching roomsExcluded while the room is in your charge or control
• Work in schools Teaching in a school classroom is excluded
• Abuse and molestation allegations Excluded from public liability, including defending an allegation of abuse
• Mistakes in your tuition or adviceCovered for breach of professional duty; defence costs paid on top of the limit
• Lost exam papers and records Covered, including digital files, but not loss caused by a virus
• When claims are covered Claims made while the policy is in force, for work from the retroactive date on your schedule
• Claims after you stop tutoring No run-off cover once the policy ends
• Legal jurisdictionClaims brought anywhere except the USA and Canada

Obligations review

• Report incidents (public liability) Tell the insurer at once of any incident, pass on claim letters on receipt, admit nothing and send a written claim within 30 days. If not, a claim can be declined.
• Report possible claims (professional indemnity)Tell the insurer in writing within 28 days of any claim or anything that might become one, and before the policy ends. If not, the claim can be declined.
• Tell the insurer about changes Tell the insurer immediately of any change to your business that increases the risk, for example group teaching. If not, a claim can be declined.
• Excess level (public liability)£100 on Public Liability claims for damage to property; no excess on injury claims

Cover review

• Teaching venuesCovered at pupils' homes and your home, except injury from a defect in your home; other venues are not covered
• Damage to pupils' homes Covered, including damage to the home and its fixtures while in your custody or control
• Damage to hired teaching rooms Hired-room cover exists, but teaching away from your home, pupils' homes or online is outside the policy
• Work in schools Teaching in schools is outside the policy; indemnity to principals included
• Abuse and molestation allegationsOnly accidents are covered, and an abuse allegation is not an accident
• Mistakes in your tuition or advice Covered for negligence and any other civil liability from your tuition
• Lost exam papers and records Paper documents covered up to £50,000; loss of digital records is excluded, even if backed up
• When claims are coveredClaims made while the policy is in force; no retroactive date applies
• Claims after you stop tutoring No run-off cover once the policy ends
• Legal jurisdiction Claims in UK, Channel Islands, Isle of Man and EU courts

Obligations review

• Report claims (professional indemnity) Tell the insurer in writing within 7 working days of a letter of claim, 30 days of other claims, and of any circumstance before cover ends. If not, it can be declined.
• Report incidents Report any incident, complaint or circumstance to QBE as soon as possible. If not, the claim can be declined.
• Do not admit fault Do not admit liability, or offer or promise payment, without the insurer's written consent. If you do, a claim can be declined.
• Medicines, healthcare and play equipment Give medicine or healthcare only as the policy allows (first aid aside); use play equipment as instructed, with written parental consent. If not, claims can be declined.