It’s a sad fact of life that singing teachers now need insurance, but they do. ‘And why is that?’ I hear some of you ask. Well, let’s say you’re a singing teacher who works from home, and let’s say it’s raining, and a student slips on your front doorstep when leaving your teaching studio, breaking their arm. 30 years ago, you would have felt bad, and they would have blamed themselves for not being more careful. Unfortunately, times have changed, and these days you’d be more than likely to find yourself on the end of a lawsuit. That’s why you need Public Liability insurance. If you visit other people in their homes, run workshops, or operate as a freelancer in a college, you need Public Liability insurance.
The law doesn’t insist that you have this insurance, but at the same time it also says that a sole trader or business will be held liable at law for any personal injury or damage to property that you cause, or which is caused by your business. It’s your choice as to whether or not to get cover, but it’s a calculated risk.
Professional Indemnity insurance is different. It covers claims against you or your business relating to advice that you have given which is claimed to have caused damage, injury or loss to the other party.
The VIDLA Team has sourced a great deal for our graduates. Blythe Valley Insurance offer VIDLA graduates good rates on Public Liability and Professional Indemnity insurance, in an agreement worked out especially for VIDLA practitioners.
The webste will be updated soon. If you’d like some details in the meanwhile, please contact the office on info@vidla.org
