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Do you work as a freelance music teacher? Like any other education professional, you should educate yourself about the risks you face in performing your duties. It may happen that your civil liability is engaged in the event of bodily injury, material or immaterial damage caused to third parties. Focus on the music teacher's insurance!
The profession of music teacher
The music teacher is responsible for giving music and singing lessons in schools, as well as in an associative framework or in a dedicated structure. He can be a music education teacher for audiences of different ages and levels. Its role is to introduce students to the basic techniques of music or to help them perfect their techniques. It is also responsible for preparing students for university degrees and competitive recruitment for music education teachers.
To be a music teacher you need to have patience and a true love for music. In addition, a perfect mastery of several musical instruments is an undeniable asset for reaching a wider audience.
Music teacher: insurance to take out
Above all, the music teacher must have excellent coping skills. If he is a private teacher, then he must be mobile and travel to the students. Also, the music teacher must listen to the needs of each student.
Certain situations may engage your civil liability. This is why you must take out the following insurance:
Professional liability insurance: this insurance is essential even if it is not compulsory, because it covers your civil liability in the event of bodily injury, material or immaterial damage caused to third parties in the course of your activity.
Legal protection insurance: this guarantee allows you to benefit from support and advice in the event of disputes with a third party. The costs incurred are covered by this insurance, such as legal fees and administrative costs.
Business premises insurance: if you use premises to give music and singing lessons, then you must cover the building with an appropriate contract. In the event of a disaster, such as a fire, explosion or water damage, you will be able to obtain compensation.
Vehicle insurance: if you use a vehicle to give private lessons at home, you must insure your vehicle for business trips.
Musical instrument insurance: Since your musical instruments are very valuable items, it can be very useful to take out suitable insurance. Musical instrument insurance covers damage to your instruments in various situations, including during transport.
Before taking out an insurance contract
In any case, remember to check the guarantees, conditions and exclusions of the contract. Also, don't forget to shop around to make sure you get the best music teacher insurance deals!
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