- Original Poster
- #1
Following on from my previous thread, "Sole Trader branching out" (sorry can't include a link, but it's in the "Startup Clinic") , I am also after advice about insurance.
In brief, the situation is that I am self-employed & working from home. I have the opportunity to share a studio (above a currently empty shop) with an art teacher. I will be teaching sewing classes (my business is sewing-related) and she will be teaching art classes, both of us will be teaching there part-time. The building owner is keen for us to find other creative teachers to teach workshops/ courses, either as one-offs or short courses.
With regards for Public Liability, Product Liability, contents-away-from-home (when I'm teaching away from home), it's simple enough. I can get cover for teaching any classes in the venue that I will be renting with an art teacher (she is able to sort her own insurance too). So, that all seems quite straightforward.
Our question is: what happens if a visiting art teacher holds classes in the venue, with regards to insurance ? We would have to ensure that they have their own insurance, but is there anything that myself and the art teacher might be liable for, when it comes to classes not taught by ourselves ? We are responsible for organising teachers for the studio and for paying the rent to the building owner.
The building owner has suggested that the other teacher and myself take out a joint insurance for teaching in the venue. But it all gets a bit complicated and we would much prefer to have our own individual insurance policies. Speaking to insurance brokers on the phone hasn't answered all our questions. The other teacher and myself really would appreciate advice on the type of insurance we need. We are quite out of our depth with this side of things (so please be nice to us). Thank you !
In brief, the situation is that I am self-employed & working from home. I have the opportunity to share a studio (above a currently empty shop) with an art teacher. I will be teaching sewing classes (my business is sewing-related) and she will be teaching art classes, both of us will be teaching there part-time. The building owner is keen for us to find other creative teachers to teach workshops/ courses, either as one-offs or short courses.
With regards for Public Liability, Product Liability, contents-away-from-home (when I'm teaching away from home), it's simple enough. I can get cover for teaching any classes in the venue that I will be renting with an art teacher (she is able to sort her own insurance too). So, that all seems quite straightforward.
Our question is: what happens if a visiting art teacher holds classes in the venue, with regards to insurance ? We would have to ensure that they have their own insurance, but is there anything that myself and the art teacher might be liable for, when it comes to classes not taught by ourselves ? We are responsible for organising teachers for the studio and for paying the rent to the building owner.
The building owner has suggested that the other teacher and myself take out a joint insurance for teaching in the venue. But it all gets a bit complicated and we would much prefer to have our own individual insurance policies. Speaking to insurance brokers on the phone hasn't answered all our questions. The other teacher and myself really would appreciate advice on the type of insurance we need. We are quite out of our depth with this side of things (so please be nice to us). Thank you !
