Specialty Coverage
Private piano teachers face real liability exposure — lessons in a student's home, a home studio full of expensive equipment, and recitals where students, parents, and guests are all on your watch. Get covered starting at $200/yr.
Get a Piano Teacher Quote →Most piano lessons happen in someone's home — either the student's or the teacher's — which means a piano teacher is regularly exposed to premises risk that a classroom-based tutor isn't. A student trips over a bench, a parent slips on the front steps waiting to pick up their child, or a piano itself is damaged during a lesson. On top of that, if a student doesn't progress or pass a recital or exam the way a parent expected, a professional liability claim is a real possibility.
Covers bodily injury or property damage during lessons — a fall in a home studio, a damaged instrument, or an injury at a recital venue.
Covers claims that your instruction was negligent or ineffective — for example, a parent claiming your teaching failed to prepare their child for an exam or recital.
Many schools, studios, and recital venues require this coverage before allowing a piano teacher to work with minors on their premises.
Schools, studios, and recital venues frequently require teachers to add them as additional insureds before approving a lesson arrangement.
If you operate a piano 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 →Yes — coverage applies whether lessons happen at your home studio, the student's home, or a recital venue.
General liability covers third-party bodily injury and property damage, but damage to your own instruments and equipment is typically a separate property coverage — ask us about adding it if your studio has valuable gear.
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.