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Insurance required for underage "drum teacher"?
bigpat
Posts: 341 Forumite
Hi All,
My 15 year-old son has been playing drums for 3 or 4 years now and is pretty darn good at it, even if I do say so myself. He has taught some of his friends the basics and one a bit more, for free but now he's wondering whether he should put some ads out and start charging for lessons.
He says his "niche" would be that parents would not need to fork out for drums until they knew their kids would stick at it, because he would teach them in our house, using his own kit. And because he's a teenager and not a qualified teacher, he could really undercut "proper" lessons, so parents who would otherwise not consider expensive lessons might be willing to give it a go.
I can certainly see some merit to the idea, but what happens if little Jimmy or Janey from up the road trips and falls down stairs? What if they poke their eyes out with a drumstick, or drop the sharp edge of cymbal on their toes? Kids are bound to have accidents and if they're here as some part of a "commercial transaction", are we liable?
My 15 year-old son has been playing drums for 3 or 4 years now and is pretty darn good at it, even if I do say so myself. He has taught some of his friends the basics and one a bit more, for free but now he's wondering whether he should put some ads out and start charging for lessons.
He says his "niche" would be that parents would not need to fork out for drums until they knew their kids would stick at it, because he would teach them in our house, using his own kit. And because he's a teenager and not a qualified teacher, he could really undercut "proper" lessons, so parents who would otherwise not consider expensive lessons might be willing to give it a go.
I can certainly see some merit to the idea, but what happens if little Jimmy or Janey from up the road trips and falls down stairs? What if they poke their eyes out with a drumstick, or drop the sharp edge of cymbal on their toes? Kids are bound to have accidents and if they're here as some part of a "commercial transaction", are we liable?
0
Comments
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If you've been negligent, you could be liable. You could get liability insurance if you're worried. It should less than £80 for one year.0
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You might need the parents to stay with their kids the whole time as I'm not sure if your son would be old enough to 'look after' them......1% at a time no. 40. £8000 (For dream family holiday) 94/100
MFW 2013 no. 62 £10,000/£10,000
MFW 2014 no 62 £8000/£70000
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