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Insurance for music teachers and schools

Get insurance for music teachers and music schools – arranged by Marsh, the world’s leading insurance broker.

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Cover we can arrange

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$229

Music teachers cover

Protect yourself with insurance for private music teachers and teachers in the education sector.

  • 12-months cover for performing and teaching

  • $30 million public and product liability cover

  • $5 million professional liability cover

  • $500,000 wrongful allegations cover

  • Personal accident cover (weekly and lump sum benefits, 24/7)

  • Worldwide coverage (excluding USA and Canada)

  • Venue hire cover to protect you when you stage a show, workshop or rehearsal (up to an attendance of 300)

  • Suitable for individual music and singing teachers

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$505

Music schools cover

Our music school insurance package provides comprehensive protection for schools.

  • 12-months cover

  • $20 million public and product liability cover

  • $10 million professional liability cover

  • $100,000 goods in care, custody and control cover

  • $250,000 wrongful allegations cover

  • $500 excess for each and every claim

  • Cover extended to any uninsured music teachers whilst working on your behalf

  • Cover also for retail of music related products

  • Worldwide coverage (excluding USA and Canada)

  • Venue hire cover to protect you when you stage a show, workshop or rehearsal (up to an attendance of 500)

  • Suitable for music schools with contracted or employed teachers

  • Turnover limited to $250,000 or under for the annual period

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Why choose music teachers and music school insurance with Marsh?

75+ years’ experience

Our decades of experience arranging tailored insurance solutions for the performing arts gives us unmatched industry expertise.

By performers, for performers

We take a personalised approach to our service and our products, informed by our firsthand experiences in the performing arts.

Trusted partners

We are the principal risk partner to a number of industry associations – including APRA AMCOS, Sydney Theatre Company and Music Australia.

Why do music teachers and music schools need insurance?

Music teachers and schools are in charge of their students’ safety. That means you could be held responsible if a student gets injured during your class. Public liability insurance helps cover legal and medical costs if this ever came to pass.

Claims of wrongful advice are another reason music teachers and schools might need insurance. If one of your students fails an exam or suffers an injury a parent could make a claim against you if they believe your teaching was to blame. That’s why professional indemnity or professional liability insurance is important for music teachers and schools alike.

Who can music teacher insurance cover?

  • Private music tutors
  • Kindergarten music teachers
  • Primary and high school music teachers
  • Singing teachers
  • Online music teachers

What insurance do music teachers and music schools need?

Our music teachers and music schools insurance solutions aim to cover your key risk exposures.

Public liability cover

Public liability insurance helps protect you against claims made by a third party – like a student or venue. It can help cover the costs of injury and property damage (including legal fees).

Professional indemnity cover

If a music teacher's advice or instruction leads to a student suffering a physical injury during a performance, the school could face a claim for the resulting financial losses. Professional indemnity insurance is there to help cover the costs of such advice-related claims.

Personal accident

Available under our Music Teachers Cover, personal accident insurance can provide weekly and lump sum benefits if you are too injured to teach or perform.

Venue hire cover

Protect yourself against financial loss in the event that you or your students damage a venue you’ve hired for practice or performing.

Frequently asked questions

As a music teacher, you aren’t only responsible for student welfare. You’re also responsible for your own.

If you become too injured to work – whether you were at fault or not – it could have serious long-term impacts on your business and livelihood. That’s why we offer personal accident insurance under our Music Teachers Cover. It can offer financial protection in weekly or lump sum payments if you need to take time off work to recover from an injury.

Even if you teach music or run a music school from home, you’re still exposed to certain risks.

Accidents can happen in your own space – and you can still face allegations of improper advice, professional negligence and more.

Consider whether professional indemnity/ professional liability insurance and public liability insurance can help protect your business.

Yes. Our Music Teachers Cover offers worldwide coverage (excluding USA and Canada). You’re covered wherever you choose to teach.

Your certificate of currency – also known as a certificate of insurance – expires on the same date as your 12-month Music Teacher Cover or Music School Cover. You’ll need to purchase a new policy once your existing cover expires.

If an incident occurs, contact the Marsh entertainment team as soon as you can. We want you to get the best possible outcome, so we will advocate for you throughout the entire claims process.

Claims can be stressful, but – as the world’s largest insurance broker – we strive to make the process straightforward.

Yes. You can contact Marsh at any time to add a new interested party to your certificate of currency.

LCPA 24/412

Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238369) (“MAI”) arranges the general insurance (i.e. not the Discretionary Trust Arrangement) and is not the insurer.

This page contains general information and does not take into account your individual objectives, financial situation or needs. For full details of the terms, conditions and limitations of the covers, refer to the specific policy wordings and/or Product Disclosure Statements available from MAI on request. MAI makes no representation or warranty concerning the application of policy wordings or the financial condition or solvency of insurers or re-insurers. Marsh makes no assurances regarding the availability, cost, or terms of insurance coverage. Any statements concerning actuarial, tax, accounting, or legal matters are based solely on our experience as insurance brokers and risk consultants and are not to be relied upon as actuarial, accounting, tax, or legal advice, for which you should consult your own professional advisors.

The Discretionary Trust Arrangement is issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417964) (“JGS”). Any advice or dealing in relation to the Discretionary Trust Arrangement is provided by JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226 827) (“JLT”). JGS and JLT are businesses of Marsh McLennan. The cover provided by the Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions.