Specialty Coverage
Guitar teachers usually travel to the student, which means the liability exposure travels too — from dropped amps to group classes full of cables and cases. Get covered starting at $200/yr.
Get a Guitar Teacher Quote →Guitar lessons are mobile in a way piano lessons often aren't. Most guitar teachers travel to the student, not the other way around, which means the liability exposure travels too — a dropped amp on a student's hardwood floor, a tripped cable during a group class, a car parked in a driveway that gets backed into. Add group classes and the picture changes again: a room full of beginners with instrument cases, cables, and amps is a different risk than a single student across a coffee table.
Equipment matters here in a way it doesn't for every instrument. A guitar teacher running group lessons often owns amps, a PA system, extra guitars for beginners to borrow, and a pile of cables — all of it exposed to damage or theft at whatever location the lesson happens to be that week.
Covers bodily injury or property damage during in-home lessons or group classes — a fall, a tripped cable, or damage to a student's home.
Covers claims that your instruction was negligent or ineffective — for example, a student claiming your teaching didn't prepare them for a recital or audition.
Many schools, studios, and group-class venues require this coverage before allowing a guitar teacher to work with minors.
Schools and studios frequently require teachers to add them as additional insureds before approving a lesson arrangement.
If you operate a guitar or music studio with several instructors, a permanent location, or a higher volume of students, an individual policy isn't the right fit — you need a center policy priced around your gross receipts and staff size.
See Music School Insurance →No — general liability and professional liability both travel with you. You don't need a fixed location to need coverage; if anything, teaching at different homes each week raises the odds of an incident somewhere along the way.
General liability covers third-party injury and property damage, not your own gear. If you carry amps, a PA system, or multiple instruments between lessons, ask about adding property coverage for your equipment specifically.
Tutoring through a school, studio, or platform as an independent contractor? Point them to our tutor custom-link program — every contractor buys their own coverage, naming the school as additional insured.