House Insurance for Private Music Lessons

commie · 25-10-2019 2:47pm #1

Hi, I'm wondering where private music teachers who work from home are getting their Home Insurance. I teach from home in a seperate studio space which has a side entrance. I teach over 10 students a week but nearly all Irish insurers are not willing to cover my home because of this or else the premium is massively high. I have found a UK based company but the premium is over €700. I have a seperate public liability policy to cover my students. There are loads of private music teacher across Ireland so are they saying to the companies they only have 10 or less students a week. It just baffles me as to why there are not companies providing for this situation where you have 10+ students. Thoughts and experiences welcome, thanks, Clive.

Eggs For Dinner · 25-10-2019 6:44pm

With parents starting to claim against homeowners where their little diddums falls over at a birthday party, it's no wonder insurers shy away from situations where people pay to be on your property. ( you owe a higher duty of care if people pay to be in your premises)

commie · 26-10-2019 10:25am

Fair point, that's why I have Public Liability to cover that side.

Eggs For Dinner · 26-10-2019 11:16am

commie wrote: »

Fair point, that's why I have Public Liability to cover that side.

If your property is the cause of the loss rather than your actual activity, your home insurers could be brought in to share the claim

commie · 26-10-2019 11:49am

I see, I just wonder who all the other music teachers are getting home insurance with.

26-10-2019 2:26pm

They just don’t tell their insurer I would imagine.

ytpe2r5bxkn0c1 · 26-10-2019 10:45pm

commie wrote: »

I see, I just wonder who all the other music teachers are getting home insurance with.

I know a couple of them; they haven't done anything about insurance other than their normal house insurance. They would have about 8 students each.

Eggs For Dinner · 27-10-2019 7:39am

Josue Panicky Syntax wrote: »

I know a couple of them; they haven't done anything about insurance other than their normal house insurance. They would have about 8 students each.

Taking one hell of a risk in today's climate. Not only would they not have cover if anything happened to the students in the house, they could invalidate their cover for other events

ytpe2r5bxkn0c1 · 27-10-2019 9:23am

Eggs For Dinner wrote: »

Taking one hell of a risk in today's climate. Not only would they not have cover if anything happened to the students in the house, they could invalidate their cover for other events

And do you think teachers giving grinds in their houses get additional insurance?

Eggs For Dinner · 27-10-2019 11:31am

Josue Panicky Syntax wrote: »

And do you think teachers giving grinds in their houses get additional insurance?

Many do, most don't. I wouldn't let anyone in my gate if I didn't have appropriate liability cover in place

30-10-2019 1:11am

Eggs For Dinner wrote: »

Many do, most don't. I wouldn't let anyone in my gate if I didn't have appropriate liability cover in place

Personally I think people are far too paranoid about this type of thing.

What are you worried is going to happen someone in a music lesson or getting a grind.

Mrs OBumble · 30-10-2019 6:24am

Imani Shrilling Meteorology wrote: »

Personally I think people are far too paranoid about this type of thing.

What are you worried is going to happen someone in a music lesson or getting a grind.

It's not what happens that matters, it's what they allege happened.

Eggs For Dinner · 30-10-2019 8:25am

Imani Shrilling Meteorology wrote: »

Personally I think people are far too paranoid about this type of thing.

What are you worried is going to happen someone in a music lesson or getting a grind.

Seriously, it's not paranoia. I'm. an insurance claims handler and there are many people out there looking for ANY opportunity to seek compensation.

uck51js9zml2yt · 30-10-2019 8:36am

Eggs For Dinner wrote: »

Seriously, it's not paranoia. I'm. an insurance claims handler and there are many people out there looking for ANY opportunity to seek compensation.

Agreed. That's why I don't have my kids birthday parties at home.

30-10-2019 10:52am

Emmie Little Gull wrote: »

Agreed. That's why I don't have my kids birthday parties at home.

Madness imo. Next people will say they don’t have friends over for dinner. No way could I allow my life to be so dictated to by (imo) irrational fear.

NUTLEY BOY · 30-10-2019 12:57pm

Emmie Little Gull wrote: »

Agreed. That's why I don't have my kids birthday parties at home.

Additionally, that is why I never want to see a bouncy castle inside our front gate either

Eggs For Dinner · 30-10-2019 7:10pm

Imani Shrilling Meteorology wrote: »

Madness imo. Next people will say they don’t have friends over for dinner. No way could I allow my life to be so dictated to by (imo) irrational fear.

Bowing to this sort of thing is only making matters worse too.

It would be irrational if it wasnt happening. Trust me, it is. You can make a stand if you like, but that won't stop the letter arriving through your letterbox

31-10-2019 1:12am

Eggs For Dinner wrote: »

It would be irrational if it wasnt happening. Trust me, it is. You can make a stand if you like, but that won't stop the letter arriving through your letterbox

You must be in the tiniest of tiny minorities who don’t allow Kids parties in your house, honestly over never heard of anything like that going on. I’d say most would consider it very paranoid.

Eggs For Dinner · 31-10-2019 8:38am

Imani Shrilling Meteorology wrote: »

You must be in the tiniest of tiny minorities who don’t allow Kids parties in your house, honestly over never heard of anything like that going on. I’d say most would consider it very paranoid.

I'm long passed having kid's parties in my house. As I said earlier I'm an insurance claims handler, so I know what's happening

commie · 08-11-2019 6:38pm

Yeah that's my thinking, I'm not paranoid about it but people do claim just cause sometimes, so at least I'm fully covered. I went with the same company from the UK after having another look in the Irish market.

GoldenSlumbers · 29-06-2020 8:57pm

commie wrote: »

Hi, I'm wondering where private music teachers who work from home are getting their Home Insurance. I teach from home in a seperate studio space which has a side entrance. I teach over 10 students a week but nearly all Irish insurers are not willing to cover my home because of this or else the premium is massively high. I have found a UK based company but the premium is over €700. I have a seperate public liability policy to cover my students. There are loads of private music teacher across Ireland so are they saying to the companies they only have 10 or less students a week. It just baffles me as to why there are not companies providing for this situation where you have 10+ students. Thoughts and experiences welcome, thanks, Clive.

Out of curiosity, how much is your public liability ensurance per year as a music teacher?

Chiorino · 01-07-2020 1:46pm

GoldenSlumbers wrote: »

Out of curiosity, how much is your public liability ensurance per year as a music teacher?

It would be in the region of €200.

SpielCheck · 02-07-2020 3:58pm

Chiorino wrote: »

It would be in the region of €200.

Once you've taken out PL for work well then you have to insure the business premises

Policies would be cross referenced if there was a large claim

Chiorino · 02-07-2020 5:12pm

SpielCheck wrote: »

Once you've taken out PL for work well then you have to insure the business premises

Policies would be cross referenced if there was a large claim

That's for the insured to discuss with their home insurer. I'm just stating how much a PL policy to teach music classes can be arranged for.

House Insurance for Private Music Lessons

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