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What You Need to Know About Private Music Teacher Insurance

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music teacher and student
Last Updated: 1/25/2024

If you are considering becoming a private music teacher, you should probably spend some time looking at private music teacher insurance. You may be wondering if your music teaching business even needs insurance, and the answer is a resounding yes! That said, even at the best of times, insurance can be a little hard to understand; that’s why your friends at Insurance Canopy are here to answer your questions. Let’s get started!

What is Private Music Teacher Insurance?

Private music teacher insurance is a liability insurance plan specifically designed to financially protect music teachers from the risks associated with their business. Common risks include accidents that result in equipment damages, bodily injury and property damages, as well as lawsuits involving your business operation.

Liability insurance can protect your business by reducing—and in some cases even eliminating—the out-of-pocket costs created by these accidents. As such, covering your business with high-quality liability insurance is not only a good idea, but also a modern-day business necessity.

Why Do Private Music Teachers Need Insurance?

As a private music teacher, you assume some unique risks. In the insurance world, “risk” means that something harmful or unexpected could happen to you, your business, or other people as a result of your business operation. When one of these accidents happens, your business could be found legally liable to pay for it.

For example, let’s say a student trips and falls on an instrument while at a lesson because the student tripped on your equipment while at your lesson, you could be held legally responsible to cover the medical bill if the student was seriously injured. These kinds of accidents occur more frequently than you would think and can be expensive to resolve—often costing thousands of dollars or more. Even in cases where you did nothing wrong, the cost of legal defense can often cripple or financially devastate your business.

With the right coverage, you can protect your business from costs caused by accidents involving your business, including bodily injuries, property damage, and lawsuits.

Private music teacher with student learning by a drum set.

What Policies Do I Need to Protect My Business?

When looking at different insurance providers, it’s important to look at the policies included and how much coverage each policy provides. Doing so can help you get the biggest bang for your buck.

So, what policies do private music teachers need? And how much coverage should they provide? These are good questions. Let’s take a look.

General Liability

General liability policies can protect your business from third-party bodily injury and property damage claims where someone is injured, or something is damaged as a result of your business operation. Most liability insurance plans include general liability with total annual coverages up to $2 million.

Damage to Premises Rented

Damage to premises rented policies can protect your business from the cost of claims that arise from damages done to rented spaces, like a music studio or recital hall. The amount of coverage varies by plan. At Insurance Canopy, we provide a total annual coverage of $300,000 for this policy.

Professional Liability

Also known as errors and omissions, professional liability policies can protect your business from the cost of professional negligence claims that arise from your business operation. Common causes for professional liability lawsuits include claims of breach of contract and failure to provide sufficient instruction.

In today’s litigious world, it is not uncommon for disgruntled customers to sue music teachers on grounds of professional negligence. As such, professional liability insurance is a necessity for private music teacher insurance plans. 

Cyber Liability

Cyber liability policies can protect your business from the cost of first- and third-party claims arising from a cyber security breach in your business. For example, if your business fell victim to a phishing scheme, you could receive coverage for your losses.

It is especially important to include a cyber liability policy in your insurance plan if you collect or store important business data—like customer payment information—online, on a computer, or on a mobile or tablet device. Insurance Canopy’s private music teacher insurance plan can include cyber liability with annual coverage up to $100,000.

Music teacher going over sheet music with a student seated at a piano.

How Much Does Private Music Teacher Insurance Cost?

The cost of your insurance plan will depend on the provider, the included policies, and the coverage they provide.

At Insurance Canopy, a private music teacher insurance plan costs just $229 a year.

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/
$4,000,000

For an additional $99 a year, you can choose to include $100K in total coverage for cyber liability. If you have any questions about the cost of insurance for your business, feel free to contact us to speak with a certified insurance representative.

Protect Your Business Today With Insurance Canopy

Liability insurance can sometimes be confusing, but with Insurance Canopy, it doesn’t have to be. As you continue your search for high-quality, low-cost insurance, we hope you find a solution that fits your business needs.

We encourage you to take a look at our private music teacher insurance plan. For just $229 a year, you can protect your business from the cost of claims with high-quality, low-cost coverage. Plus, getting started is easy, taking ten minutes or less to checkout. So what are you waiting for? Protect your business with Insurance Canopy today!

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