Buy Language School Insurance

Language school insurance is a type of insurance designed specifically for language schools, to protect them from potential financial losses or legal liability that may arise from their operations. This insurance covers a wide range of areas such as property damage, student injuries, data breaches, teacher liability, and more. It is important for language schools to have this insurance as it helps to safeguard their assets and reputation, and also provides peace of mind for both students and staff.

The average price of a standard $1,000,000/$2,000,000 General Liability Insurance policy for small language schools ranges from $37 to $49 per month based on location, number of students, payroll, sales and experience.

As with any other business, things go wrong. Damage can ensue after major storm, or pipe bursting in the school. A student can slip and fall and withstand major injuries. A former employee can try to sue the school after being fired.

These are a few ways language school insurance will protect the school and help minimize damages (and cost) to the school in the event things go wrong.

These are a few options to consider when building your language school insurance program:

Commercial General liability: General liability will protect the school if an injury occurs on property. If a student falls in the hallway, if a visitor is injured in the facility, if equipment is faulty and a worker is hurt, general liability is going to protect the school, and its assets.

This should be added to any language school insurance policy, regardless of who the students are, or how big the language school is.

Workers Compensation: Workers Comp is mandatory in most states for any non-owner employees. workers comp covers your employees' lost wages and the cost of resulting medical treatment if they suffer a work-related injury or disease. It also covers services needed to help the employee recover and return to work.

Business Property Insurance: This language school insurance indemnifies you for the loss of school property. School property is an extremely broad term and can refer to anything from buildings and equipment to business records and supplies.

Commercial Auto: If the language school takes students on trips, or relies on the use of commercial vehicles, trucks, vans, or cars, this is an additional coverage option to add to the language school insurance policy. It not only protects the school, it protects any employee who is driving (and licensed to drive).

Depending on the level of coverage, passengers, students, and others on the vehicles are also covered from bodily harm, medical bills, and other injuries they might sustain while on the vehicle.

Abuse and Molestation: Abuse and molestation coverage is something which should also be considered when choosing language school insurance coverage from an insurer. Whether the abuse claim comes from a minor, an adult, or even an employee or teacher, these claims are extremely detrimental to the school.

If they are found to be false, this coverage will also protect from false accusations; however if claims are found to be warranted, the school is protected, and won't be found liable for the acts of employees or teachers who are accused of molestation, abuse, or other such claims.

Business Interruption: If the school has to close for major repairs, due to detrimental weather, or other issues which arise, a business interruption policy will help avoid the loss of profits the school would otherwise face.

Depending on the amount of time the school will be closed, the reasons for closure, and other factors, there are different levels and types of interruption coverage a language school can endorse on the language school insurance policy it purchases from an insurer.

Business Owners Policy (BOP): The business owner policy is bundled language school insurance coverage. It protects the school from: property claims (damage from hail, rain, or other damage), business interruption coverage, and liability protection if students/staff, or visitors are injured on the premises.

Depending on which insurer you go through for the policy, this coverage can offer a more extensive protection for the business school, as opposed to adding several additional types of optional coverage to the policy.

Language schools may be sued for a variety of reasons, including:

Discrimination: Language schools may be sued for discrimination based on race, gender, age, religion, disability, or other protected characteristics. A language school that is sued for discrimination may be covered by employment practices liability insurance (EPLI), which provides coverage for claims related to discrimination, harassment, and wrongful termination. EPLI can help pay for legal fees and damages if the school is found liable for discriminatory practices.

Breach of Contract: Language schools may be sued for breach of contract if they fail to deliver the services promised in their agreements with students or fail to adhere to the terms and conditions of their contracts. A language school that is sued for breach of contract may be covered by professional liability insurance (also known as errors and omissions insurance). This type of insurance provides coverage for claims arising from professional services, including breach of contract. If a language school is found to have breached its contract with a student, professional liability insurance can help pay for legal fees and damages.

Negligence: Language schools may be sued for negligence if they fail to exercise reasonable care in providing their services, resulting in harm or injury to students. A language school that is sued for negligence may be covered by general liability insurance, which provides coverage for claims related to bodily injury, property damage, and personal injury. If a student is injured while attending a language school, general liability insurance can help pay for legal fees and damages if the school is found to have been negligent.

Copyright Infringement: Language schools may be sued for copyright infringement if they use copyrighted materials without permission or violate the terms of licensing agreements. A language school that is sued for copyright infringement may be covered by intellectual property liability insurance, which provides coverage for claims related to copyright infringement, trademark infringement, and other intellectual property disputes. If a language school is found to have used copyrighted materials without permission, intellectual property liability insurance can help pay for legal fees and damages.

False Advertising: Language schools may be sued for false advertising if they make false or misleading claims about their services or misrepresent the quality of their courses. A language school that is sued for false advertising may be covered by general liability insurance or advertising injury liability insurance. Advertising injury liability insurance provides coverage for claims related to false advertising, libel, and slander. If a language school is found to have made false or misleading claims about its services, advertising injury liability insurance can help pay for legal fees and damages.