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ISM Column: Mind the accidentals

'We understand who you are and the work you do, and will provide the insurances and legal advice you need to support you professionally'
 Managing risk means minimising damage when things go wrong
Managing risk means minimising damage when things go wrong - Oatawa/Shutterstock

‘Assessing and managing risk’: these words may not immediately spring to mind as forming part of every music teacher's description of their work. But in reality, this is exactly what music teachers do, every working day, whether they realise it or not.

Do you think about the layout and accessibility of room you teach in, or where chairs, stands and cables go when you present an end-of-term concert? Taking on a new student – have you agreed the terms of the engagement, and could you prove it if they didn't pay you or give you proper notice? What about working with children or vulnerable adults – do you know what the rules are? If you run your own business, are you certain you have your tax affairs in line?

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