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I Teach An Instrument, Do I Need Music Teacher Insurance?

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woman playing the flute to online class
Last Updated: 1/24/2024

Teaching an instrument is an incredibly rewarding experience. Not only do you get to make a living doing something you love, you also instill that same passion into your students, helping them develop meaningful skills and an appreciation for music that will last a lifetime.

While teaching an instrument may come naturally to many people, running a music instruction business can be more difficult. One thing many music teachers don’t realize they need until it’s too late is music teacher insurance, which can protect your business from claims that can financially ruin your small business before it gets off the ground. Let’s take a look at what coverage is available and why you need it to protect your business.

What Does Music Teacher Insurance Cover?

There are two sides to music teacher insurance—general liability and professional liability. Each can protect against different kinds of claims you could face as a music teacher and are vital when it comes to running your business.

General Liability 

General liability insurance can protect music teachers from two kinds of claims—bodily injury claims and property damage claims. Bodily injury claims can occur when an individual (not the policyholder) gets hurt either during your business operation or is injured by a piece of equipment you use—for example, tripping over a metronome and injuring your wrist. Property damage claims are similar, but instead occur when an individual’s property is damaged during your business operation.

Facing bodily injury and property damage claims can be both common and crippling for small businesses. With music teacher insurance, you could mitigate the costs you may legally be required to pay when facing a claim.

Professional Liability 

Professional liability insurance can protect music teachers from claims related to your professional operations—like failing to sufficiently teach a particular topic to your students. Whether these claims are true or unfounded, they can be very expensive to pay without insurance.

Let’s say a student hired you to help her get accepted into Julliard. For most music teachers, having a student get accepted into a rigorous music school would be a dream come true… but what if the student isn’t accepted? Although many variables impacted that outcome, as the music instructor, you could be at risk if you failed to properly instruct your student on a key point.

Without music teacher insurance, if the student sued you, you would have to pay all the expensive legal fees out of pocket. But with professional liability, you could be protected from paying those costs yourself.

Music teacher in group setting holding a guitar.

How Much Does Music Teacher Insurance Cost?

There are a few variables that go into determining the cost of your music teacher insurance, the first among them being what each provider charges as a base rate.

At Insurance Canopy, you can insure your business for as little as $229 a year. For that price, you get general liability coverage up to $1 million per claim, with an aggregate, yearly coverage limit, of $2 million per year. You also get professional liability coverage up to $250,000 per claim without deductibles added on top.

Coverage Details: Limits of Insurance

General and Professional Aggregate Limit (Other Than Products-Completed Operations)$3,000,000
Products-Completed Operations Aggregate Limit$1,000,000
Personal and Advertising Injury LimitIncluded
General and Professional Each Occurrence Limit$1,000,000
Damage to Premises Rented to You Limit (Any One Premise)$300,000
Medical Expense Limit (Any One Person)$5,000
Increased Limits$300,000
General and Professional Each Occurrence/Aggregate Limit$2,000,000/

Factors That Affect Insurance Rates

There are also certain factors that can alter the price of your insurance.

  1. Entity Type
    If your music instruction service is a partnership, LLC, or corporation, it will cost a little more to cover your business than if it is not.
  2. In-Person Lessons
    Having music lessons in person also increases your risk, whether it’s at your home, a student’s home, or in a rented space, so that increases the price as well. For rented spaces, you will often be required by the property to include them as an additional insured so the space can benefit from the insurance policy as well.
  3. Employees
    Lastly, if you have any employees, you will need to get them covered as well, so the price increases per employee under hire.

How you answer these questions, regardless of the provider, can have an impact on the price you pay for your music teacher insurance and the amount of coverage you can get. When looking at the price you pay versus the coverage you can receive, don’t forget to get the most for your money!

Person with guitar playing song.

Music Teacher Insurance: Coverage in Every Note

Teaching music can be an incredibly rewarding experience, and so can running a music instruction business if you have the right coverage. At Insurance Canopy, we offer top-of-the-line music teacher insurance at an affordable price for your small business—so your needs can be met without breaking the bank.

In just ten minutes, you can get an accurate quote according to your business’ requirements and provide you with peace of mind knowing that you can be covered when you need it most.

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