Language School Insurance Policy Information
Language School Insurance When operating a language school, you deal with students of all age groups, and different backgrounds. For this reason, it is important to have the appropriate language school insurance policy in place to protect your school, teachers and educators, as well as employees who work at different capacities for the school.
Depending on whether it is a school for younger children, adults, where lessons take place, and other factors, the different policy options you add on to the language school insurance policy are going to differ for each school.
Language school insurance protects your institution from lawsuits with rates as low as $37/mo. Get a fast quote and your certificate of insurance now.
Below are some answers to commonly asked language school insurance questions:
- What Is Language School Insurance?
- How Much Does Language School Insurance Cost?
- Why Do Language Schools Need Insurance?
- What Type Of Insurance Do Language Schools Need?
- What Does Language School Insurance Cover & Pay For?
What Is 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.
How Much Does Language School Insurance Cost?
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.
Why Do Language Schools Need Insurance?
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.
What Type Of Insurance Do Language Schools Need?
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.
What Does Language School Insurance Cover & Pay For?
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.
Commercial Insurance And Business Industry Classification
- SIC CODE: 8299 Schools and Educational Services, Not Elsewhere Classified
- NAICS CODE: 611630 Language Schools
- Suggested Workers Compensation Code(s): 9101 School - All Other Employees
8299: Schools and Educational Services, Not Elsewhere Classified
Division I: Services | Major Group 82: Educational Services | Industry Group 829: Schools And Educational Services, Not Elsewhere
8299 Schools and Educational Services, Not Elsewhere Classified: Establishments primarily engaged in offering educational courses and services, not elsewhere classified. Included in this industry are music schools, drama schools, language schools, short-term examination preparatory schools, student exchange programs, curriculum development, and vocational counseling, except rehabilitation counseling.
- Art schools, except commercial
- Automobile driving instruction
- Baton instruction
- Bible schools, not operated by churches
- Ceramics schools
- Charm schools
- Civil service schools
- Continuing education programs
- Cooking schools
- Curriculum development, educational
- Diction schools
- Drama schools
- Finishing schools, charm and modeling
- Flying instruction
- Hypnosis schools
- Language schools
- Modeling schools, clothes
- Music schools
- Personal development schools
- Public speaking schools
- Reading schools
- Speed reading courses
- Student exchange programs
- Survival schools
- Vocational counseling, except rehabilitation counseling
Language School Insurance - The Bottom Line
When choosing an insurance policy for your language school insurance, call a professional insurance broker to help you compare insurers, policies, and optional coverage terms based upon your school's needs.
Additional Resources For Education, Colleges, Universities & Schools Insurance
Learn about small business commercial insurance for educators that helps protecting your professional reputation and other legal liabilities arising from your educational services.
- Art School
- Beauty School
- Charter School
- Chiropractic Schools
- Colleges, Universities & Professional Schools
- Driving Schools
- Educational Services
- Language School
- Music Schools
- Private Schools
- Real Estate School
- Specialty Schools And Education
Education, colleges, universities, and schools are integral parts of our society, responsible for shaping the minds and futures of our youth. These institutions have a significant impact on the community and play a vital role in the growth and development of our society.
However, as with any business, education institutions also face a variety of risks and challenges. These risks can range from accidents and injuries on campus to financial loss due to lawsuits or property damage.
In order to protect against these risks and ensure that they can continue to provide high-quality education to their students, it is essential for education institutions to have business insurance. This insurance can provide coverage for a variety of potential issues, including:
Liability: If a student is injured on campus or a teacher is sued for misconduct, education institutions can be held liable. Liability insurance can provide coverage for legal fees and settlements, helping to protect the institution's financial stability.
Property damage: Natural disasters, fires, and other unexpected events can cause significant damage to education institutions. Commercial property insurance can provide coverage for repairs and replacements, helping to minimize the financial impact of these events.
Loss of income: If an education institution is forced to close due to an unforeseen event, such as a pandemic, it can result in significant financial loss. Business insurance can provide coverage for lost income, helping to mitigate the impact on the institution's financial stability.
In conclusion, education institutions, such as colleges, universities, and schools, need insurance to protect against the various risks and challenges they face. This insurance can help to ensure that these institutions can continue to provide high-quality education and support to their students and communities.
Minimum recommended small business insurance coverage: Building, Business Personal Property, Business Income and Extra Expense, Employee Dishonesty, Money and Securities, Accounts Receivable, Commercial Articles Floater, Computers, Valuable Papers and Records, General Liability, Directors and Officers, Employee Benefits, Professional, Umbrella, Business Auto Liability and Physical Damage, Hired and Nonownd Auto & Workers Compensation.
Other commercial insurance policies to consider: Earthquake, Equipment Breakdown, Flood, Spoilage, Computer Fraud, Extortion, Animal Floater, Contractors' Equipment, Fine Arts, Musical Instruments, Theatrical Floater, Cyber Liability, Employment-related Practices, Stop Gap Liability and Active Shooter.