Today I'm going to answer the question, “Do I need insurance to teach sewing classes?”
So this is an important question and the truth is, is yes, you should have some sort of a liability insurance if you're teaching classes.
Whether you're teaching them in your home or somewhere else.
In some cases you might not need to have it, like if you were teaching at Joanne's fabric or a fabric store that already had liability insurance.
For example if you are teaching in a commercial space and a student was to walk into their space, their liability insurance would most likely cover that customer or a student.
But if you're teaching in your home or if you're teaching somewhere where a liability insurance isn't on the commercial property, then that's when you want to cover yourself and your students.
Liability insurance is something that keeps you both safe. So if they get hurt, like if they sew their finger or cut themselves or something, then your liability insurance will cover the hospital bills instead of it falling on you.
Hopefully none of that would ever happen. But in the case of a parent getting upset, if the injury was more serious, they might want to sue you and have you cover the hospital bills.
That's why you want to have liability insurance. Your homeowner's insurance if you're teaching in your home, doesn't actually cover this because it's kind of a separate business thing that you're doing. It doesn't cover injury from a sewing class in your home.
So, you will just want to call around to different insurance providers and see who carries this kind of insurance. They don't all carry it. Sometimes they do, sometimes they don't.
You just have to type it into the internet or go to your insurance provider. Maybe the same person that provides home insurance for you right now, or car insurance, maybe they also have a policy that would be liability insurance.
Usually the cost is around a hundred dollars, but it could be a little bit more, it just depends on where you are operating (whether you're in your home or if you're in a commercial property).
The other option is something that they used to do when I took dance classes at a small community center. They would have me sign a liability waiver. This said I was responsible for any injuries. So as a teacher they were not responsible for my injuries.
If I hurt my body dancing, then they were not responsible. Which that makes sense in a way. It kind of makes sense for sewing students too.
You would have to talk to a lawyer to make sure that that's okay for a sewing class. In the past I have done that. If you're just getting started out then sometimes $100 a month for liability insurance is kind of a lot. So you can look at doing something like that.
I have had my students sign liability waivers. But if I feel like I have a rowdy student that is not going to be safe. If she's going to be stepping on the sewing machine and going too fast and putting herself at risk of sewing her finger, then I'm not going to take that student because it puts me at more risk.
So that is basically it about insurance for sewing classes.
I hope that answered your question and I will be back with another Q & A another day. All right, see you later. Bye-bye.
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Hi, I'm Katrina Marie
I'm excited that you are visiting my BASTE Weekly Blog. BASTE stands for Be a Sewing Teacher Education.