I am a homeschooling parent, qualified instructor and want to organize a series of group lessons for homeschoolers. Would I be covered by HEA insurance?
There are two issues here. HEA is a non-profit organization and HEA activity cannot be used to profit any of our members. In this instance, I suggest that you have another HEA member take on the position of ‘organizer’ for the activity. This would allow you to act as an independent contractor (and free up your effort to concentrate on the task of teaching). The organizer is responsible for conducting the activity in a safe manner and HEAs Legal Liability would cover the organizer if someone was injured during the activity. It would not cover you as the tutor. You should have your own Public Liability, Professional Indemnity, and Personal Accident/Income Protection policies. However, if you change the financial arrangements such that you were not being paid but rather compensated for your costs you would then not be making a profit. For example, you could arrange with the organizer to pay various reimbursements but also substantial meal allowances and travel allowances. The organizer of
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