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Our music teachers’ professional indemnity insurance scheme has been specially developed to protect the increasing numbers of music teachers and lecturers who are freelance or self-employed.

The cover is designed for teaching lecturing and coaching and has been specifically/exclusively extended to incorporate musical therapists.

The Alan Boswell Group Difference

ABG Difference

Alan Boswell Group are the preferred insurance suppliers for the ISM

Our specialist teacher’s liability policy brings together the required covers in one simple package and is so competitively priced that there’s now no need to leave yourself without cover.

How our customers rate us

The process was really easy, but the really pleasing aspect was the communication by telephone prior to purchasing.

Mrs Murchison - Teachers Insurance

Teachers Insurance in detail

Professional negligence

Many teachers undertake private work (effectively in a self-employed capacity) without realising that this leaves them open to claims that could be made against them arising from errors and omissions, professional negligence, or other liability. When you are working for the Local Authority or another employer, it is usual for the employer’s own liability insurance policies to provide you with appropriate protection. But when you work outside the course of your normal employment, you are potentially exposed to liability claims which might be brought against you personally by pupils, parents, or third parties.

Designed specially for teachers

Our specialist teacher’s liability policy brings together the required cover in one simple package and it is so competitively priced that there’s now no need to leave yourself without cover:

  • The application process is quick and simple Everything is done online
  • Costs are kept to a minimum We issue all the paperwork on the Insurer's behalf
  • Specially negotiated for teachers The scheme has been negotiated specially for teachers, lecturers, and educational consultants and features very broad cover so individual underwriting is unnecessary

The policy is specifically designed for music teachers but covers the teaching of all academic subjects.

Instant cover available from just £53 a year (plus £5 admin fee).

The ISM insurance policy is arranged and administered by specialists Alan Boswell Group and underwritten by Hiscox Insurance. It provides vital cover for those involved in educational consultancy and private tuition work undertaken in the United Kingdom:

Professional Indemnity Insurance £1million indemnity limit*
Excess No excess applies to the first claims you make in any year. Subsequent claims in the same year are subject to a £500 excess.

* With option to increase to £2million or £5million for an increased premium.



  • Yes, freelance marking, examining, and moderating work is covered as standard by the policy.

  • Yes, you can make changes and upgrade your cover online at renewal. If you need to change your personal details during the year, please contact us on 01603 649724.

  • No excess applies to the first claim you make in any year. Subsequent claims in the same year are subject to a £250 excess if made under the Public Liability section and £500 if made under the Professional Indemnity section.

  • Yes, the policy covers you for activities carried outside of England, Wales, Scotland, Northern Ireland, the Isle of Man, and the Channel Islands for a maximum of 21 days per year.


When it comes to private tuition, parents and students may seek to apportion blame for a failure to reach a desired outcome. To some people, blame equals compensation. Nowadays, rather than accepting any personal responsibility, people are encouraged to search for someone else to blame for their misfortunes. Click here to see some examples of the kinds of professional indemnity claim that could arise.

We have a dedicated claims support team of experienced personnel, mainly from insurance company backgrounds. Our people are there to help and support you and to manage your insurance claim for you through any crisis on a day-to-day basis.

We will liaise with the insurer and other parties such as Loss Adjusters and Motor Engineers to ensure you get personal service of the highest order and the best settlement possible for your insurance claim

Contact us by phone on 01603 218099 or by using our claims enquiry form so that we can help you.

In an emergency that occurs outside normal office hours you can call the 24-hour line direct with Hiscox on 0870 241 6257.

Existing clients

If you’re looking to renew your policy online please click here:

Renew your policy online

Get in touch

Speak directly to our team
01603 649724
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Tom Head
Tom Head

Team Leader

Tom joined Alan Boswell Group in February 2001, having worked at Heath Lambert for two years. Tom is based in our Norwich office and, having…