Some people are really passionate about music. Aside from listening to their favorite records bought from the music shop, they also desire to create their own tunes. The thing is, music isn’t all about creating sound. One must learn the fundamentals to become a master.
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 music 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. We will also provide information on the target business lines for this insurance coverage and answer frequently asked questions about music teacher insurance.
As a music teacher, insurance is important to protect yourself and your business from financial liabilities. Whether you work as a private music instructor, a school music teacher, or run your music studio, having insurance can provide you with peace of mind and financial protection.
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.
| 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 |
| Advertising injury coverage aggregate limit | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Tenant’s legal liability coverage limit | $100,000 | $100,000 | $5,000 | $100,000 | $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 |
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. Use the table above to see which insurance company offers the best general liability insurance for music teachers.
General liability insurance for music teachers covers various costs, including.
Medical expenses for third-party injuries
Property damage caused by a music teacher or student
Legal fees and defense costs associated with lawsuits
Settlements and judgments resulting from lawsuits
Music teachers can benefit from general liability insurance in many situations, such as:
A student falls and injures themselves during a music lesson.
A student accidentally damages a musical instrument or other equipment.
A musical instrument malfunctions accidentally injures a student
In addition to general liability insurance, music teachers can purchase add-on coverage to provide additional protection. Some of these add-ons include:
| Add-On Coverage | Description |
|---|---|
| Abuse and Molestation Coverage | Provides coverage for claims of abuse or molestation by the music teacher. This coverage is especially important for music teachers who work with children |
| Personal and Advertising Injury Coverage | This coverage can protect music teachers who may face legal action due to their advertising or promotional materials |
| Products and Completed Operations Coverage | Provides coverage for claims of bodily injury or property damage that occur after the music teacher has completed their services |
With the rise of online teaching, music teachers may wonder if their general liability insurance covers virtual music lessons. The answer depends on the policy and the insurance provider. Some policies may include coverage for virtual lessons, while others may require additional add-ons or separate policies for online teaching.
| 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 |
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 can differ significantly, starting from $250,000 and going up to $2 million. Use the table above to see which insurance company offers the best professional liability insurance for music teachers.
Professional liability insurance for music teachers covers various costs, including.
Legal fees and defense costs associated with lawsuits.
Settlements and judgments resulting from lawsuits.
Damages awarded to third parties due to professional negligence or errors
Music teachers can benefit from professional liability insurance in many situations, such as:
A parent filed a claim because you failed to correct a student’s technique, which resulted in injuries
You are accused of misrepresenting qualifications
The student lost in a competition and is now suing you for poor teaching practices
Abuse and molestation coverage is the only add-on to professional liability insurance for music teachers. Abuse and molestation coverage grants protection against claims for sexual harassment, verbal abuse, or assault.
The COVID-19 pandemic has raised concerns about health and safety in many industries, including music education. Music teachers may wonder if their professional liability insurance covers claims related to the pandemic. As for the answer, negligence resulting in sickness or disease in part of the claimant is typically excluded in the language of professional liability insurance.
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. This is an older version of general liability insurance. Public liability insurance doesn’t have the add-ons typically found in a general liability policy.
The costs covered by public liability Insurance for music teachers may include the following:
Medical expenses
Legal expenses
Reimbursement for property damage
Public Liability Insurance covers teaching activities that may result in injury or property damage to a third party, such as in-person lessons, concerts, recitals, and other music-related events. Reviewing the policy documents to determine the specific activities covered and any exclusions that may apply is important.
Music teachers should be aware of any exclusions or limitations to Public Liability Insurance coverage. The policy may exclude certain activities or types of claims, such as intentional acts or criminal behavior. There may also be limitations on coverage for specific types of injuries or property damage.
Get all the best quotes from leading providers in a click of a button!
| 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 |
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. Use the table above to see which insurance company offers the best tools and equipment insurance for music teachers.
Tools and equipment insurance is designed to cover the following:
Repair or replacement costs for damaged or stolen instruments and equipment
Rental costs for temporary replacement equipment
Loss of income due to business interruption resulting from loss of music equipment
Here are some of the situations where tools and equipment insurance becomes useful in your work as a music teacher.
A student damage your musical instrument during a lesson
Your musical instrument got lost while you’re traveling to a student’s home
You crashed into someone while walking and the musical instrument with you got damaged
| CoverWallet | NEXT (Best) | Thimble | The Hartford | Hiscox | |
|---|---|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $330,000 | $25,000/$500,000 | $60,000 | $25,000 |
| Contents coverage limit (minimum) | $50,000 | $35,000 | $25,000/$500,000 | $60,000 | $15,000 |
| Outdoor signs | Excluded | $2,500 | Excluded | Excluded | Included |
| Accounts receivable | Excluded | Excluded | $5,000/$10,000 | Excluded | Included |
| Money and securities | Excluded | $2,500 | $1,000 | Excluded | Included |
| Lock and keys | Excluded | $2,500 | Excluded | Excluded | Included |
| Business interruption floater | Excluded | Included | Included | Excluded | Included |
| Equipment breakdown floater | Excluded | Included | Excluded | Excluded | Included |
| Inland marine insurance floater | Excluded | Excluded | $10,000 | Excluded | Excluded |
| Employee dishonesty floater | Excluded | $5,000 | $2,500 | Excluded | Excluded |
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:
Damage to the building or structure due to fire, theft, vandalism, or natural disaster
Damage or loss of musical instruments and equipment
Business interruption losses, such as lost income due to damage to the studio or equipment
Use the table above to see which insurance company offers the best commercial property insurance for music teachers.
Commercial property insurance can be greatly helpful when you experience these perils:
If a fire breaks out in the studio and damages the building and equipment
If musical instruments or equipment are stolen from the studio
If a natural disaster damages the studio and its contents
Commercial property Insurance for music teachers has coverage limits ranging from $1 million or $2 million.
While commercial property insurance can help protect music teachers in the event of damage or loss, it's always best to prevent these incidents from occurring in the first place. You can install security systems, fire alarms, and sprinklers and properly store and secure their instruments and equipment when not in use.
| 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 |
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. Use the table above to see which insurance company offers the best business owner’s policy for music teachers.
Here are the most common perils included in a business owner’s policy for music teachers:
Property damage to the business premises, such as a studio or office space
Liability claims arising from the student or third-party injuries or property damage
Loss of income due to business interruption caused by a covered event, such as a fire or natural disaster
Here are some situations where a business owner’s policy can be useful:
Accidents or injuries that occur on the business premises or during lessons
Property damage caused by a covered event, such as a fire or theft
Business interruption due to a covered event, such as a natural disaster or utility outage
A business owner's policy can include cyber liability coverage, which covers damages resulting from a data breach, such as the theft of sensitive information or a cyber attack. Music teachers who conduct online lessons or store sensitive information electronically may want to consider adding cyber liability coverage to their policy.
Travel Insurance is designed to provide financial protection to music teachers while traveling for work-related purposes. Here are some of the costs covered in this insurance policy:
Emergency medical expenses
Trip cancellation or interruption expenses
Lost, stolen, or damaged baggage
Travel delay expenses
Emergency evacuation expenses
The coverage limits for travel insurance for music teachers can range from $10,000 to $500,000.
When purchasing travel insurance, music teachers should consider the following:
The destinations they will be traveling to and the level of medical coverage required in those areas
The length and frequency of their travels and whether a single-trip or annual policy is more suitable
Any pre-existing medical conditions they may have and whether the policy covers them
The activities they will be participating in during their travels and whether the policy covers those activities
While travel insurance is not mandatory for domestic travel, it can still benefit music teachers who frequently travel for work-related purposes. Domestic travel insurance can cover trip cancellation or interruption costs, emergency medical expenses, and lost or stolen baggage.
Commercial auto insurance protects music teachers who use their vehicles for business purposes. This is very useful if you own a car and constantly drive a vehicle to reach the locations of students. You can use commercial auto insurance to:
Cover the medical treatment of third parties you injure in a vehicular accident
Cover the repair of your vehicle in case of a collision
Cover repair expenses if your car is damaged by fire, theft, vandalism, and other covered perils
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.
Accidental medical insurance is designed to cover medical expenses incurred due to accidental injury. Costs usually included in the language of accidental medical insurance are as follows:
Medical expenses, including hospitalization, surgery, and medication costs
Diagnostic tests, such as X-rays and MRI scans
Loss of income due to the accident
Disability benefits
The coverage limits for accidental medical insurance for music teachers can range from $10,000 to $50,000 per accident. This insurance can help music teachers in situations such as:
Accidents that occur during teaching or performing
Injuries sustained while setting up or taking down equipment
Slips, trips, and falls
Repetitive strain injuries caused by playing instruments for long periods
Generally, pre-existing conditions are not covered under Accident Medical Insurance. It is important for music teachers to carefully review their policies and discuss any pre-existing conditions with their insurer.
| 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 |
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. The table below shows the rates of companies we commend.
| Cost per Month | Cost per Year | Best for | |
|---|---|---|---|
| NEXT | $25 | $300 | Best overall; Fastest general liability insurance for music teachers |
| CoverWallet | $31 | $372 | Comparing music teacher insurance quotes online |
| The Hartford | $36 | $432 | Additional services and resources |
| Tivly | $38 | $456 | Comparing music teacher insurance quotes over the phone |
| Hiscox | $45 | $540 | Professional liability coverage |
| Thimble | $54 | $648 | On-demand coverage and flexibility |
Get all the best quotes from leading providers in a click of a button!
Below are some of the top insurance companies that offer coverage options for music teachers. Here are some of the best music teacher insurance companies. Read some of the reviews below to know their pros, cons, and average cost for a $1 million general liability policy.
Best overall
Issues an online proof of insurance instantly
Fastest general liability insurance for music teachers
Excellent rates
Outstanding value for money
Get a 10% discount if you buy two or more policies
Excellent customer service with 24/7 phone or online chat support
Couldn’t find any
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.
Best for: Best overall; Fastest general liability insurance for music teachers
Average cost: $25 per month
Our rating: 10/10
Customized coverage options for music teachers
Streamlined online application process
Access to licensed insurance professionals for guidance
Limited coverage options compared to other providers
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.
Best for: Comparing music teacher insurance quotes online
Average cost: $31 per month
Our rating: 10/10
Additional services and resources for risk management and loss control
They offer comprehensive music instructor insurance coverage options to both public and private teachers
An experienced and well-known provider
Pricing may be higher compared to other providers.
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.
Best for: Additional services and resources
Average cost: $36 per month
Our rating: 10/10
User-friendly online platform
Fast policy issuance
Customizable coverage options for music teachers
Limited coverage options compared to other providers
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. Call a representative now to compare quotes over the phone.
Best for: Comparing music teacher insurance quotes over the phone
Average cost: $38 per month
Our rating: 9/10
On-demand coverage with flexible policy durations
Customizable policies for specific business needs
Simple and easy-to-use online platform for policy management
Limited coverage options compared to other providers
May not be the best choice for music teachers who need coverage year-round
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.
Best for: On-demand coverage and flexibility
Average cost: $54 per month
Our rating: 9/10
Specialized professional liability coverage for music teachers
Customizable policies with additional coverage options
Affordable pricing for basic coverage
Limited options for larger businesses
Not available in all states
Hiscox offers 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 music teacher insurance package.
Best for: Professional liability coverage
Average cost: $45 per month
Our rating: 9/10
Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
Not all those who wander are lost.
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