Liability Insurance for Music Teachers

Music teachers need insurance coverage for liability.

Music teachers have unique needs for insurance and should carefully review their options in order to stay properly protected. A policy will cover you unless you are found guilty of a criminal charge.

Professional Liability

Professional liability covers you for many risks that arise out of your duties as an educator, including injuries to students, failure to educate or promote students and improper types of instruction.

Abuse and Molestation

It is important that your professional liability policy includes coverage for lawsuits pertaining to abuse and molestation. This coverage is valuable to music teachers who may spend time alone with students, as false accusations are possible in these situations.

General Liability/Off Premises

Buy general liability insurance if you are traveling off site to locations other than your studio. This covers property damage and personal injury that you cause in the course of your duties.

References

• Association of American Educators: Professional Liablity Insurance
• BusinessDictionary: General Liablity Insurance