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Music teachers like you impart knowledge about music theory. You’re also concerned about correcting bad techniques that a student may do when playing a musical instrument. It is essential to have piano instructor insurance coverage that protects you from liability and financial loss.
This article will discuss music teacher insurance, including its different types, costs, and quotes from various insurance companies.
Music teacher insurance is a specialized package to protect music teachers and their businesses from financial liabilities. This insurance package consists of various policies tailored to meet the specific needs of music teachers.
General liability insurance for music teachers is a type of insurance that protects against third-party claims of bodily injury or property damage. This type of music teacher liability insurance grants coverage for legal fees, medical expenses, and other related costs arising from lawsuits or other legal proceedings.
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $300,000/$1,000,000 | $1,000,000/$2,000,000 |
| Aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 | $1,000,000/$2,000,000 |
| Products and completed operations aggregate limit | $2,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Waiver of subrogation included? | Yes | No | Included | Can be included | No |
| Hired/non-owned auto liability coverage included? | Yes | No | Excluded | Can be included | Can be included |
| Equipment breakdown floater included? | No | Yes | Yes | Can be included | Can be included |
Professional liability insurance, also known as errors and omissions insurance, protects music teachers against claims of negligence or errors in their professional services. It covers legal fees, settlements, and judgments resulting from lawsuits or other legal proceedings.
The coverage limits for professional liability insurance for private music teachers insurance can differ significantly, starting from $250,000 and going up to $2 million.
| CoverWallet | NEXT | Thimble (Best) | Hiscox | The Hartford | |
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $1,000,000 | $1,000,000 |
| Aggregate limit | $2,000,000 | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000 | $2,000,000 |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
| Waiver of subrogation included? | Yes | No | Yes | Can be included | No |
| HIPAA coverage included? | No | No | No | No | No |
| Sexual misconduct coverage included? | No | No | No | No | Can be included |
| License defense coverage included? | No | No | No | No | Can be included |
| Deductible | $500 | $500 | $500 | $50/$10,000 | $500 |
Public liability insurance for music teachers protects against claims made by third parties for injury or property damage that may have occurred during music teaching activities.
The costs covered by public liability Insurance for music teachers may include the following:
Tools and equipment insurance protects music teachers from financial losses due to damage or theft of their musical instruments, equipment, and other tools used in their teaching profession.
This is available as an add-on to general liability or commercial property insurance. Tools and equipment insurance for music teachers offers $50,000 or more in coverage limits.
| NEXT | Thimble | Hiscox | The Hartford | |
| Aggregate limit | $3,000/$10,000 | $2,500/$5,000 | $15,000/$25,000 | $5,000-$10,000 |
| Covers hired and borrowed equipment? | $3,000/$10,000 | $2,500/$5,000 | No | Yes |
| Miscellaneous equipment also covered? | $5,000/$10,000 | No | Yes | Yes |
| Offered as an endorsement to general liability insurance? | Yes | Yes | Yes | Yes |
| Deductible | $500 | $500 | $0 | $0 |
Commercial property Insurance is a type of insurance policy that covers the physical assets of a business, including buildings, equipment, and inventory. Commercial property insurance covers the following costs:
Commercial property Insurance for music teachers has coverage limits ranging from $1 million or $2 million.
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This policy combines several types of coverage, such as general liability, property damage, and business interruption insurance, into one convenient package. BOP may provide up to $2 million in general liability coverage and up to $1 million in property damage coverage for small businesses.
| CoverWallet | NEXT (Best) | Thimble | The Hartford | Hiscox | |
| General liability aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 |
| Commercial property coverage limit | $50,000 | $330,000 | $25,000/$500,000 | $75,000 | $75,000 |
| Optional policies can be added? | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds for free? | Yes | Yes | Yes | Yes | Yes |
| BOP discount? | Yes | Yes | Yes | Yes | Yes |
Musical instrument insurance is a type of equipment coverage specifically made for guitar, piano, violin, bass, bassoon, and other musical instruments.
This grants protection for damage or loss due to theft, fire, vandalism, upset, and other covered perils.
Musical instrument insurance grants a $2,000 coverage for each covered instrument. Note that endorsements may be added for damage caused by anyone borrowing your musical equipment.
The average music teacher insurance cost is $38 per month or $456 per year for a $1 million general liability coverage. Policies that affect the cost of premiums are claims history, location, revenue, and more.
| Cost per Month | Cost per Year | Deductible | |
| General liability insurance | $38 | $456 | $0-$500 |
| Professional liability insurance | $45 | $540 | $500-$1,000 |
| Commercial property insurance | $57 | $684 | $1,000-$2,000 |
| Business owner’s policy | $80 | $960 | $1,500 |
| Commercial auto insurance | $60 | $720 | $500-$1,000 |
| Tools and equipment insurance | $46 | $552 | $500-$1,000 |
| Accidental medical insurance | $50 | $600 | $500-$1,000 |
| Travel insurance | $48 | $576 | $500-$1,000 |
Best Music Teacher Insurance Companies
NEXT Insurance provides customizable business policies, including music teacher liability insurance, workers’ compensation, and commercial auto coverage. They also offer online policy management tools and 24/7 customer service.
Average cost: $25 per month
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CoverWallet is an online platform that offers a range of insurance options for small businesses, including general liability, professional liability, and workers’ compensation. They provide customized coverage options and a streamlined application process.
Average cost: $31 per month
The Hartford is a well-known insurance company that offers coverage options for small businesses, including general liability, professional liability, and business owners’ policies. They also provide various additional services, including risk management and loss control.
Average cost: $36 per month
Tivly® is an insurance technology company that provides music teacher liability insurance coverage options, professional liability, and business owners’ policies. They offer a user-friendly online platform and fast policy issuance.
Average cost: $38 per month
Thimble is an insurance provider specializing in on-demand coverage for small businesses and self-employed individuals, including music teachers. They offer general liability and professional liability insurance that can be customized to fit the specific needs of each business.
Average cost: $54 per month
Hiscox offers a customizable insurance package for music teachers. This offers worldwide professional liability and general liability insurance, covering claims related to negligence, errors or omissions, bodily injury, and personal injury.
They also provide additional coverage options as upgrades to the base insurance policies of your private music teacher insurance package.
Average cost: $45 per month
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