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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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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 purchase music teacher insurance cover?

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

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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What insurance do music teachers and music schools need?

If a student, visitor, or member of the public is injured, or property is damaged during a lesson or performance, your school could be held legally responsible. Public liability insurance helps to cover the costs of defending a claim.

Marsh’s music school package provides up to $20 million in public and product liability cover, helping manage costs from injury or property damage claims, whether in your studio, a school hall, or a hired venue.

Professional liability insurance is vital for schools and teachers who provide advice or instruction. If a parent claims that your teaching caused an injury or loss, this cover can help pay for legal defence and compensation.

Through Marsh, music schools can access up to $10 million in professional liability coverage to help manage these risks.

Allegations of misconduct can affect a teacher’s reputation even if proven false. Marsh’s policy includes up to $250,000 in wrongful allegations cover to assist with legal and defence costs, giving teachers peace of mind.

If you are injured and unable to teach or perform, personal accident insurance helps by providing weekly and lump sum payments to cover lost income. This ensures that temporary injuries don’t cause lasting financial stress.

Many schools rent spaces for recitals or workshops. Venue hire cover protects against accidental damage to the space during events. Marsh’s policy covers venues hosting up to 500 attendees.

Performances and tours can take teachers and students overseas. Marsh’s policy includes worldwide coverage (excluding the USA and Canada) to protect your school beyond Australia.

Why insurance is important for music schools

Music teaching involves responsibility and trust. Students depend on your guidance, and your venues and instruments represent major investments.

Having the right insurance helps you.

  • Focus on education and creativity, knowing that risks are managed.
  • Meet venue and local council insurance requirements.
  • Demonstrate to parents and communities that your school values safety and professionalism.

If a student slips on stage or claims your advice led to injury, the right policy can help cover legal and medical costs, reducing the financial impact on your school. 

Steps to manage risk for music teachers and schools

  • Review your teaching environment. Look for trip hazards, unsecured cables, or obstacles that might cause injury.
  • Check your insurance limits. Ensure your cover meets local and venue requirements.
  • Include all teachers. Marsh’s policy extends to uninsured teachers working for your school.
  • Keep certificates of currency updated. You may need them for events, council permits, or venue hire.

Why small music schools also need insurance

Even small or community-based music schools can face serious claims. A single incident might result in medical bills, lost income, or legal costs. Marsh’s public liability and professional liability policy provides a practical way to protect your school and your teachers.

Marsh’s entertainment team can help you understand your cover options and provide full policy wording before you make any decisions. 

How Marsh supports music schools in Australia

Marsh has over 75 years of experience arranging entertainment insurance in Australia. We work with industry bodies including APRA AMCOS, Sydney Theatre Company, and Music Australia, supporting professionals across the performing arts.

Our team understands the risks that come with teaching, rehearsing, and performing. We help schools, studios, and teachers find insurance that meets their needs and supports their work both on and off stage.

Why choose music teachers and music school insurance with Marsh?

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75+ years’ experience

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

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By performers, for performers

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

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Trusted partners

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

What insurance do music teachers and music schools need?

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

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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).

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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.

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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.

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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

To protect against claims of injury, property damage, or professional negligence that occur during lessons, rehearsals, or performances.

It’s not a legal requirement, but most venues and education departments require proof of insurance before you can operate.

Yes. Marsh’s package can extend to uninsured teachers working under your supervision.

 Yes. Online teaching is covered under professional indemnity insurance.

Venue hire cover applies to accidental damage caused during lessons or performances. 

Students’ personal instruments should be insured under their own policy. 

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.

Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238369) (“Marsh”) 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 Marsh on request. Marsh 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.

LCPA 24/412