Public Liability

This cover responds to personal injury and property damage claims against the insured teacher from a student or other third party due to negligent action or inaction (e.g. if a student attending your music lesson trips over an extension cord that you placed on the floor and hits their head on a table and loses their vision, it may be deemed that you should have taken more care to ensure the extension cord did not create a tripping hazard. As a result, you may be held liable for the student's injury and be ordered to pay compensation).

Professional Liability

This cover responds to personal injury and property damage claims against the insured teacher from a student, resulting from breach of Professional Duty in connection with the insured teacher’s business (e.g. if the insured teacher instructs a student to hold their wrists in a certain way while playing their instrument and the student develops an injury as a result of this instruction and takes action against the teacher, the Professional Liability cover can respond).

Sexual Molestation

This section includes cover for claims alleging Personal Injury arising from Molestation first made against the insured and notified in writing during the period of insurance. However the policy does not cover any legal liability to indemnity any perpetrator or alleged perpetrator of any Molestation. This cover is always subject to the policy terms, conditions, endorsements and exclusions.