Liability Insurance for Music Teachers, Simplified
Understanding liability insurance can be intimidating. It’s a bit like handing your brand-new student the sheet music for Liszt’s “La Campanella” and asking them to sight-read it when they haven’t even learned where middle C is.
That’s why we put together this resource to help you navigate the world of liability insurance — so you can feel confident you’re choosing the perfect policy for your business.
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Liability Insurance for Music Teachers: What Is It and What Does It Cover?
Tired of trying to understand insurance jargon? Us too.
Check out this simple explainer on what music teacher insurance includes and how it can safeguard the future of your teaching business.
General Liability Coverage
General Liability Insurance is a must for every music teacher. It protects your business and finances from third-party bodily injury or property damage claims. And it covers you anywhere you teach.
For example, if one of your clarinet students trips over a pile of sheet music at your house, injures themselves, and sues you to pay their medical bills, your general liability policy could cover that claim.
Or, if you were over at their house for the lesson and accidentally scraped their hardwood floor with your music stand, general liability insurance could help cover the cost of repairing the damaged wood.
Professional Liability Coverage (aka Errors and Omissions)
If one of your students claims you gave them lousy instruction or failed to perform your services as a music teacher, Professional Liability Insurance (otherwise known as Errors and Omissions or E&O insurance) could help pay the cost if they sue you.
Suppose you were tutoring a piano student who wanted to attend a private music college. You said you could help them prepare for the entrance exam and get into the school, but when they get rejected, they sue you for poor instruction. Your professional liability insurance could respond to this claim.
Products-Completed Operations Coverage
Products-Completed Operations can cover claims that arise from any injuries or damages caused by your services.
For example, if you advise one of your students to practice playing guitar for two hours every day and they develop a wrist injury and sue you for it, this coverage could help pay the cost of that claim.
Personal and Advertising Injury
If you get sued for things like false advertising, libel, or slander, Personal and Advertising Injury coverage can respond to the claim.
Imagine you were hired as an independent contractor by a private music school and had a terrible experience working for them. You write about your negative experience online and the school finds out. They decide to sue you for slander.
Personal and advertising injury insurance could help cover attorney or settlement fees.
Damage to Premises Rented to You (aka Fire Legal Liability)
This coverage is essential if you rent a space to teach music lessons. During the first seven (7) days, it can help cover the cost if you accidentally damage the property or equipment and furnishings of the landlord. This can be helpful if you need to make changes or do construction in the space to get it ready for lessons and damage something by accident.
After the first seven days, Damage to Premises Rented continues to protect you from third-party claims that you damaged a space you’re renting, but usually only in cases that a fire you caused damaged the space.
Medical Expense Limit
The Medical Expense Limit is no-fault coverage that can cover medical expenses incurred by someone injured on your premises or as a result of something you did.
Regardless of whether you’re at fault, this expense pays out because it’s designed to cover minor medical expenses quickly and efficiently, without legal proceedings or in-depth investigations.
Optional Add-Ons for Music Teacher Liability Insurance
With Insurance Canopy, you can customize your music teacher insurance coverage.
No two students are exactly alike — you may have to cater your approach to teaching each one. Well, the same is true for insurance policies! The coverage you need could differ from that of another music teacher, so we make it super easy to personalize your policy with these optional add-ons.
Equipment and Instrument (Inland Marine)
Instruments aren’t cheap! If your students use your instruments or you are constantly transporting them to schools or students’ homes, there’s a chance they’ll get damaged or stolen.
For example, if one of your students accidentally drops your violin on the ground and breaks it, you could receive coverage from Equipment and Instrument Insurance without canceling other lessons while you purchase a replacement.
Data Breach Protection (Cyber Liability)
Did you know that 73% of U.S. small business owners were victims of cyberattacks in 2023?
Unfortunately, data breaches are par for the course these days. If you store any sensitive data about your business on computers or other tech, like your students’ payment information, you’re vulnerable to data theft, hackers, and other cyber crimes.
If you suffer a data breach resulting in stolen credit card numbers, your clients could sue you for damages. The good news is that Cyber Liability Insurance can help pay for legal fees or recovering lost data, so this unfortunate situation doesn’t seriously harm your finances or reputation as a music teacher.
Additional Insureds
If you rent a music studio to teach lessons or are giving a master class at a concert hall, your landlord or the venue might ask you to add them to your policy as an Additional Insured. They want protection from your liability, so if you make a mistake and they are named in a suit alongside you, your insurance policy will cover it instead of theirs.
With Insurance Canopy, you can add an unlimited number of additional insureds to your policy for free. You can add them during the checkout process or at any time afterward from the convenience of your user dashboard.
Higher Limits (Excess Limits)
If you need higher limits than the music teacher insurance policy provides, don’t fret! Just give us a call at 844.520.6993 and one of our licensed insurance agents can assist you.
Why Choose Insurance Canopy?
At Insurance Canopy, we make protecting your livelihood easy and affordable with a painless online application and competitive rates. That means you get A+ rated coverage that doesn’t break the bank.
With our liability insurance for music teachers, you get the following coverages in your base policy:
Plus, you can add more protection, like data breach coverage, instrument and equipment coverage or easily add additional insureds to your policy.
Our customizable policies are designed to protect a variety of music instructors, from those who teach out of their homes to substitute teachers. You don’t need to be part of an association to qualify for coverage — just fill out our 10-minute application and get access to your Certificate of Insurance (COI) instantly.
You're In Good Company With Insurance Canopy
Over 75,000 professionals, including music teachers, trust Insurance Canopy for their liability insurance. Check out what they have to say about us!
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Being a caricaturist, I never understood why I needed liability insurance, but it got to that point where I was missing opportunities because of it. So, I researched a bit... Read More
Paul McNeilly
November 12, 2024Best customer service I have ever had in regards to insurance.
Edward Findley
November 5, 2024This is only the second year I have had this insurance. Haven't had to use it. But it's nice to know i have it. The price is great too
Vickie Sundgren
November 3, 2024 -
Great to work with. Always available for assistance.
Courtney Araneo
November 3, 2024Super easy and convenient. Just renewed, thanks.
Wendy Berg
November 3, 2024Canopy insurance has been great for my business. Definitely a five star definitely recommend it..
Fernando Ferreira
October 12, 2024 -
Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.
Jacob Smith
October 7, 2024Rey was amazing. So easy! So fast!
Herman Koch
September 30, 2024Always treated well. They take care of my business insurance and I don’t have to worry about anything with insurance canopy in my corner. 10 year customer.
Mark Paquin
September 14, 2024 -
She is positive and friendly !
Alan Dynin
September 14, 2024Excellent rates and coverage! Did a lot of homework before going with Insurance Canopy, by far the best bang for the buck 🙂
Alana Wyld
September 14, 2024Affordable plan and very easy to access when I need it
Angela Lobianco
July 13, 2024 -
Always easy to use! Thank you!
CahillandDelene
July 12, 2024Great company with a courteous staff. Website is smooth and navigable with many options for all different kinds of fitness professionals. Best insurance options as well
Rich Bonifazio
July 12, 2024I have been associated with this company for 3 years. They would have deserved no more than 1-2 stars at the time. They have progressively leveled up their customer service... Read More
Angela Fischetti
July 12, 2024 -
Thank you so much for the wonderful service. It is alway so easy to renew my policy each year!
Jamilyn Boze
July 5, 2024Always done very well for us. Highly recommended.
Kenny Casanova
July 5, 2024Nothing but positive things to say. Great company, have used them for years.
Brandon Kennedy
July 5, 2024 -
I think this is the third year in a row that I continue to carry my independent contractor insurance through Insurance Canopy. They make it easy for me, and alert... Read More
susanf
July 5, 2024quick and easy to sign up and did not break the bank!!
Michael “Michael”
April 8, 2024Received many quotes that were multiple times more expensive. Needed something fast, easy and inexpensive for a high needs client. Customer had what they needed 5 minutes after... Read More
Robert Caudle
April 7, 2024 -
Easy to apply online, it take 5 mins and get your provf of Insurance.
Francesca Wine
April 6, 2024I had shopped a few websites including my home/auto policy holder and was not satisfied with their inability to insure me. Other sites wanted ridiculous down payments and one time... Read More
Lucia Boroczk
April 4, 2024Just the insurance I needed. I wish the website would allow me to share pages!
Ellen Brodsky
April 2, 2024 -
This insurance fits my needs as a yoga instructor with a small studio at a reasonable price.
Hillary Blackton
April 2, 2024It was fast and easy.
Vincent Cabello
March 31, 2024Chat support is terrific. I have chatted multiple times and each time the support team is very prompt, customer focused and knows the answers. The policy website is also very... Read More
Patrick McElhaney
March 27, 2024 -
Process was easy. Relevant information accessible. Platform is very user friendly.
Carolina Santos
March 26, 2024I've been using Canopy for all my businesses. Always responsive, easy to use and the cheapest around. Can't ask for more! - A 10+ note from a happy customer here!
Aaron Copenhaguen
March 26, 2024The agent was awesome, helped me through my application completely, very professional, humble and helpful! I love Canopy’s concept!!! Thanks, Lionel
Lionel Harrison
March 26, 2024
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Being a caricaturist, I never understood why I needed liability insurance, but it got to that point where I was missing opportunities because of it. So, I researched a bit... Read More
Paul McNeilly
November 12, 2024 -
Best customer service I have ever had in regards to insurance.
Edward Findley
November 5, 2024 -
This is only the second year I have had this insurance. Haven't had to use it. But it's nice to know i have it. The price is great too
Vickie Sundgren
November 3, 2024 -
Great to work with. Always available for assistance.
Courtney Araneo
November 3, 2024 -
Super easy and convenient. Just renewed, thanks.
Wendy Berg
November 3, 2024 -
Canopy insurance has been great for my business. Definitely a five star definitely recommend it..
Fernando Ferreira
October 12, 2024 -
Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.
Jacob Smith
October 7, 2024 -
Rey was amazing. So easy! So fast!
Herman Koch
September 30, 2024 -
Always treated well. They take care of my business insurance and I don’t have to worry about anything with insurance canopy in my corner. 10 year customer.
Mark Paquin
September 14, 2024 -
Excellent rates and coverage! Did a lot of homework before going with Insurance Canopy, by far the best bang for the buck 🙂
Alana Wyld
September 14, 2024
Have Questions About Liability Insurance for Music Teachers? We’re On It.
How Much Does Liability Insurance Cost for Music Teachers?
Liability insurance for private music teachers starts at just $21.08 per month or $229 per year. Your premium could be affected by factors such as:
- The state you do business in
- If you add optional coverages (equipment and instrument, cyber liability, etc.)
- If you add higher limits
Should Private Music Instructors Get Professional Liability Insurance?
Yes, professional liability insurance for private music teachers is critical for protection against common claims.
Picture this: One of your students hires you to help prepare them for a music entrance exam at a prestigious university. They fail the test and blame you for some incorrect information you provided, deciding to sue you for damages.
With professional liability insurance, you could receive coverage for legal or settlement fees related to this claim.
Will My School’s Liability Insurance Cover Me?
No — or at best, it depends. A school’s liability insurance policy usually only protects you as a music teacher if a mistake happens on school property or as part of the teaching you do under your contract with the school.
That leaves a lot of loopholes. The school’s insurance carrier may determine that you caused an accident outside of the work you do for the school — meaning their policy won’t cover any lawyer fees or other expenses you incur from an accident you caused.
So, carrying your own music teacher insurance is crucial to safeguard your finances, reputation, and the longevity of your career.
What Insurance Do I Need for Group Music Lessons?
If you teach group music lessons, our base general liability policy for music teachers will shield you against third-party bodily injury and property damage claims. This policy also includes other coverages, including professional liability and personal and advertising injury, that work together to provide a financial safety net for common claims.
Do I Need Liability Insurance to Teach Online?
Yes! While you may not face the same risks as an in-person music teacher, you are still vulnerable to data breaches, professional liability claims, and more. Liability insurance can protect you from shouldering the cost of those claims alone.
Will One Policy Cover Me Everywhere I Teach Music?
Yes! Insurance Canopy’s liability insurance for private music teachers follows you wherever you go — from your student’s homes to rented spaces and schools that hire you.
Is Liability Insurance Required for Music Teachers by Law?
While you may not be legally required to carry insurance, some employment contracts mandate it. For example, a private school that wants to hire you as an independent contractor could ask you for proof of insurance before they employ you.
Some schools or landlords of rented spaces may also ask you to add them as an additional insured to your policy. Being insured can open up additional work opportunities that you wouldn’t otherwise have.
Liability Insurance for Music Teachers
Build your teaching career with Insurance Canopy’s music teacher liability insurance, harmoniously tailored to your teaching business. Apply online in just 10 minutes and secure top-rated coverage for as low as $21.08/month. Start safeguarding your passion and profession today!
