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Professional Indemnity Insurance

Working as a teacher?

On this page you will find information about:

  • Why professional indemnity insurance my benefit you
  • The free Professional Indemnity Insurance scheme, which MU members have been automatically enrolled with from 1 January 2019

Professional Indemnity Insurance for MU members who teach

While all music teachers, lecturers and private tutors take great pride in their work, the fact is that insurance claims can arise when unexpected.

Regardless of your professional qualifications and experience, things don't always go to plan. A simple mistake or oversight could result in the course or instrument being taught incorrectly.

Should a student underperform in their exams, legal action may be taken by the student or student's parents, alleging that your service was not of an adequate standard. Claims like these can lead to legal costs (even just to defend the allegation) as well as awards of compensation.

Professional indemnity insurance covers against these sort of allegations of professional negligence and provides legal costs and compensation if required.

Professional Indemnity Insurance Scheme from 1 January 2019

Since 1 January 2019, MU members automatically benefit from Professional Indemnity Insurance up to £1,000,000 of cover whilst teaching and lecturing music.

Arranged by Hencilla Canworth and provided by AVIVA, MU members now benefit from cover against claims caused by negligent acts, negligent errors, or negligent omissions, including the loss of or damage to Documents arising from your teaching and lecturing music.

There is no need to register as the cover is automatic provided that you remain a subscription paying member of the MU resident in the UK.

Claims are subject to £1,000 policy excess and any circumstance or claim that may give rise to an incident covered by this policy must be reported to insurers immediately and no later than the 31 December of the year that you are aware of an circumstance or claim.

N.B. Incidents that occurred prior to 1 January 2019 will not be covered.

Documents related to the new Indemnity Scheme can be downloaded below.

Related downloads

Professional Indemnity MP Policy Schedule January 2019 (PDF 390.81 bytes file opens in new window)

Professional Indemnity MP Policy Wording January 2019 (PDF 1.81 MB file opens in new window)

Professional Indemnity MP Summary January 2019 (PDF 646.63 bytes file opens in new window)