Industry and commerce are based on a range of processes and activities that have the potential to affect third parties (members of the public, visitors, trespassers, sub-contractors, etc.) who may be physically injured or whose property may be damaged or both. Regardless of this not being compulsory, instructors should include public liability insurance in their insurance portfolio even though the conditions, exclusions, and warranties included within the standard policies can be a burden.
Professional Indemnity Insurance is compulsory for most professional businesses and services; this includes traditional professions such as architects, business consultants, engineers, insurance brokers, solicitors, independent financial advisers, accountants, computer consultants etc., as well as new insurance covers for miscellaneous classes where professional indemnity insurance protects that business’s interests against claims for error, omissions and professional neglect for both the principles and their employees. It is recommended that Driving Instructors obtain this insurance as well.
Many of the professional Driving Instructor organisations such as the DIA and the MSA include these insurances as part of their membership.