Keep the music going.
Private lessons, home studios, and recitals bring different risks. Make room for the right insurance conversation.
Clear guides. Useful questions. Your next step.
Your world, considered.musicteacherinsurance.com
A Broker.insure PortalProtection starts
with better questions.
These are areas to explore with a licensed provider. The exact cover, exclusions, limits, and availability depend on your circumstances.
Professional services
Discuss allegations connected with teaching, supervision, and the services you advertise.
Visitor liability
Ask about students visiting your home, a rented room, or a shared music studio.
Instruments & equipment
Check treatment of instruments in the studio, away from home, and during transit.
Lessons at home.
A student trips over a cable at a lesson in your home studio. Your personal home policy may treat the teaching activity differently from a household visit.
Let’s unpack itA discussion example, not a claim outcome or a promise of cover.
A little preparation.
A clearer conversation.
A closer look.
From home lessons to the recital stage
A teaching business can occupy several spaces, even when most lessons begin in a spare room.
Field notes · 3 min readInstruments away from the teaching room
Build an inventory that explains both value and use, including the instruments that belong to someone else.
Interactive worksheetTwo offers. A clearer comparison.
Record the terms, identify unanswered questions and keep your own comparison notes.
Good questions.
Worth asking.
Do I need to mention lessons at home?
Yes. Tell the home insurer and the business provider about student visits and instrument use. Ask each to explain what it addresses and any gaps between the policies.
Are student instruments my insured property?
They are someone else’s property. Explain when you hold or transport them and ask which wording addresses your responsibility for damage or loss.
Will a recital venue accept my certificate?
The venue decides whether its requirements are met. Obtain its written request first and ask your provider to confirm any endorsement needed for that event.
A few useful neighbours.
Canadian small businesses
Make sense of general liability, professional services, and the risks that deserve their own insurance conversation.
Canadian homeowners
Make sense of home insurance, belongings, water-related questions, and the details that matter at renewal.
Commercial tenants
Your landlord insures the building.
Let’s start with your world.
Tell us a little about what you’re looking for. Your location helps the team understand the enquiry.