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Tutoring Insurance Policy Information

Tutoring Insurance

Tutoring Insurance. You've trained to be a professional private or home tutor. You know your stuff, you may have had plenty of experience and you're always careful. But the unexpected can still strike. We all tend to think it won't happen to us, but an oversight or an accident that happens in an instant can be disastrous.

That's why having the right kind of tutoring insurance, including professional liability, is so important. Subject to the policy limit and any excess, it will pay out the full amount of any compensation awarded against you as well as all the associated legal costs.

Tutoring insurance protects your education business from lawsuits with rates as low as $27/mo. Get a fast quote and your certificate of insurance now.

Below are some answers to commonly asked tutoring insurance questions:


What Is Tutoring Insurance?

Tutoring insurance is a type of liability insurance specifically designed for tutors and other educators who provide one-on-one instruction to students. It provides financial protection in case of lawsuits or claims made against the tutor for injury, property damage, or other incidents that may occur during the course of tutoring sessions.

This type of insurance is intended to help tutors and educators mitigate their risks and protect their personal assets in the event of a legal dispute. The specific coverage and terms of tutoring insurance policies can vary depending on the insurance provider, so it is important for tutors to carefully review and understand the coverage they are purchasing.

How Much Does Tutoring Insurance Cost?

The average price of a standard $1,000,000/$2,000,000 General Liability Insurance policy for small tutoring businesses ranges from $27 to $39 per month based on location, size, payroll, sales and experience.

Do Tutors Need Professional Liability Insurance?

Tutor With Student

Professional liability insurance, also called errors and omissions insurance (E&O insurance), protects you in case you are sued for negligently performing your tutoring duties, even if you haven't made a mistake.

Professional indemnity insurance will help to provide coverage against the costs of settling or defending a claim made by a school, local education authority, private client or student that there was a problem with your work, such as failing to cover off a key part of a course syllabus.

Regardless of your professional qualifications and teaching experience, things don't always go to plan.

If you were to make a simple oversight which led to part of a curriculum being taught incorrectly, or if a student were to underperform in their exams through no fault of your own, legal action may be taken against you by the student's parents, alleging that your service was not of an adequate standard.

Without professional tutoring insurance coverage, your financial position could be left vulnerable if such as claim is brought against you. This could have dire financial implications.

Although most people strive to offer the best services possible, everyone makes mistakes; and knowing that there is adequate insurance in place gives you peace of mind.

What Does Tutoring Insurance Cover?

You will have tutoring insurance coverage against a wide range of exposures that includes these allegations (whether the allegations are true or false):

  • Injury to a student under your supervision
  • Failure to educate
  • Violation of students civil rights
  • Improper instructions methods
  • Accusations of physical or sexual abuse

Types Of Errors And Omissions Insurance For Tutors

There are two types of professional liability polices: claims-made and occurrence.

Claims-made means that the policy must be in effect both when the event took place and when a lawsuit is filed for a claim to be paid.

An occurrence policy will cover any claim for an event that took place during the period of coverage - even if the suit is filed after the tutoring insurance policy lapses.

Additional Insurance Coverages For Tutors

Business Personal Property: This tutoring insurance includes coverage for your teaching tools from important books to laptops and other pieces of learning technology, and can also include coverage for musical instruments.

You should consider getting any specialized tools or equipment insured to reduce the risk of it affecting your business if it's damaged, stolen or lost.

Worker's Compensation Insurance: It is the law in most states for every tutoring company who has any non-owners employees to have workers comp. Ca workers compensation insurance is there to protect the employees with medical and disability of an on-the-job injury. While serious injuries are rare for tutors, this tutoring insurance benefit provides lost income and pays for medical expenses for the injuries.

What Does Tutoring Insurance Cover & Pay For?

Tutoring Insurance Claim Form

Tutors can face lawsuits for various reasons, some of which include:

Negligence: Tutors can be sued for negligence if they fail to provide adequate instruction or supervision to their students, resulting in an injury or harm to the student. If a tutor is sued for negligence and found liable for injuries caused to a student, liability insurance can help pay for legal fees and damages.

Breach of contract: Tutors can also face lawsuits if they fail to fulfill their contractual obligations, such as not showing up for scheduled sessions or not providing promised services. If a tutor is sued for breach of contract and found liable for failing to fulfill their contractual obligations, liability insurance can help pay for legal fees and damages.

Discrimination: Tutors can be sued for discrimination if they engage in discriminatory behavior towards their students based on factors such as race, gender, or sexual orientation. If a tutor is sued for discrimination and found liable for engaging in discriminatory behavior, liability insurance can help pay for legal fees and damages.

Sexual misconduct: Tutors can also face lawsuits for sexual misconduct, such as sexual harassment or abuse, towards their students. If a tutor is sued for sexual misconduct and found liable for engaging in such behavior towards a student, liability insurance can help pay for legal fees and damages.

It's important for tutors to have liability insurance coverage to protect themselves from potential lawsuits and their associated costs.

Commercial Insurance And Business Industry Classification


Description for 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
  • Tutoring
  • Vocational counseling, except rehabilitation counseling

Tutoring Insurance - The Bottom Line

As a tutor, there are great benefits to working for yourself, but it's important to remember that you are also personally responsible for anything that goes wrong on your watch. If a child has an accident while in your care - or even if a child fails to perform as well academically, legal action might be brought against you. That's why having the right kind of tutoring insurance is so important.

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.


Education, Colleges, Universities And Schools Insurance

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.


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