Art teachers need insurance
- in case something goes wrong and something or someone suffers damage This section considers:
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Risks re. Teaching Business
Potential risks are:
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Risks re. Premises
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Risks re. Teacher
Potential risks are:
Risks are reduced somewhat if you are an employee and increase if operating as an independent professional. |
NO INSURANCE COVER - What can happen Put simply, insurance is basically about keeping a roof over your head. If you have no insurance cover and a sizeable claim is made against you:
"Sizable" in this context is whatever sort of payment you would need to make which you cannot cover. |
- Public liability insurance protects an artist from legal claims if someone is injured as a result of their professional activities.
- a-n artists insurance
Educational establishment
All premises admitting the public are subject to compliance with health and safety standards and legal requirements for insurance
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Art Teacher - as an employee of an educational establishment
If you are employed by an educational establishment, it's likely you probably have nothing to worry about so long as you
However if you work on a contracted basis for a fee you might want to check whether you are covered by their insurance or not. You are obliged to conform to the regulatory arrangements on safeguarding that apply to anyone undertaking teaching work - in schools, including academies (including 16- 19 academies and free schools), local authority maintained schools, non-maintained special schools and independent schools as well as sixth form colleges, relevant youth accommodation and children’s homes. |
Art Teacher - conduct as an independent professional
Malpractice insurance combines the 'double whammy' of
Risk assessments It's appropriate to consider how you can reduce risk and liability e.g.
Teaching children and vulnerable adults - working in out-of-school settings Although most botanical artists will be teaching adults, there are times when you may be asked to teach children or plan classes for children. You need to be very aware of
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REFERENCE: re Teaching children or vulnerable adults You MUST appreciate that a number of insurance policies will have stringent requirements in relation to cover teaching children or vulnerable adults. You can be exempt from DBS Certificates if only teaching 'normal' adults.
NOTE:
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The (independent) school’s ‘proprietor’
The ‘proprietor’ of an independent school is the person or group responsible for the management of the school – typically the board of governors. The proprietor of each independent school has legal responsibilities in the area of safeguarding. For example, they must ensure that:
- the school has suitable child protection policies and procedures in place which are made available to parents and are on the school’s website
- the school operates safe recruitment procedures and makes sure that all appropriate checks are carried out on those who work with children
- the school has suitable procedures for dealing with allegations of abuse, including a trained senior member of the school to take lead responsibility
- all staff who work with children undertake regular child protection training
- any deficiencies or weaknesses in regard to child protection arrangements are remedied without delay
an annual review of the school’s policies and procedures relating to safeguarding is carried out
Safeguarding children | Independent Schools Council
Teaching Business
A teaching business in many ways is just like any other business and is subject to the common risks that apply to businesses. See Insurance for Art and Artists for a discussion of all the typical risks relating to an art business. |
Limits on Cover
Insurance cover is often limited as to:
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PLEASE NOTE:
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The price you pay is specific to your requirements and will depend how many people are involved in your business, the limit of indemnity you require and whether you have previously had any claims made against you.
Arts and Crafts Teaching Public Liability Insurance
Blackfriars Group Insurance
Direct Line
Salon Gold Simply Business |
The biggest concern most tutors face, particularly if they work from home, is someone they teach getting hurt on their premises. Even relatively small slips and trips could result in a claim being made. Even if you’re not at fault, the cost of defending yourself in court can be extremely high. |
to follow.
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My aim is to make this page as helpful as possible for those teaching art - on an independent basis - around the world.
I need your help to do this. If you are an artist and have secured insurance for your art classes that you are happy with please can you send me details - using the Form (to the right or below - depending on how you are reading this) What I need to know:
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Copyright: 2015-2021 Katherine Tyrrell | Making A Mark Publications
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PLEASE NOTE:
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