Tutor Insurance
Affordable liability insurance for tutors and private teachers of all subjects
- Covered Wherever You Tutor
- Customize Your Policy With the Coverage You Need
- Choose Between Annual and Monthly Payments
- Manage Your Policy Online 24/7
- Instant Certificate of Insurance (COI)
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Affordable Insurance for Tutoring Businesses
Protect your tutoring business with Insurance Canopy’s A+ rated affordable liability insurance, trusted by tutors and private teachers nationwide. Get comprehensive general and professional liability coverage to shield you from common risks so you can stay focused on what you do best — teaching!
Tutor Liability Insurance Coverage
Coverage types, limits, and optional add-ons
The most your policy will pay for bodily injury and property damage claims occurring in the policies term that you become legally obligated to pay due to your business services.
$2,000,000
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover your products that are sold or distributed.
$1,000,000
The amount that your policy will pay for claims arising out of one or more of the following offenses:
– False Arrest, detention or imprisonment
– Malicious prosecution
– Wrongful Eviction or Wrongful Entry
– Oral or written publications that slander or libels a person or organization
– Oral or written publication or material that violates a person’s right of privacy
– The use of another’s advertising idea in your advertisement
Included
The maximum amount paid per incident during the term of the policy.
$1,000,000
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$300,000
Included
Optional Add-Ons
What Is Tutor Insurance?
Tutor insurance is general liability coverage tailored for a wide variety of tutoring professionals, including:
- Private tutors and teachers
- 1099 employees
- Substitute teachers
- Standardized test tutors (SAT, ACT, etc.)
- Foreign or second language tutors
- Subject tutors (math, science, music, etc.)
It’s a series of coverages designed to provide protection from third-party bodily injury and property damage claims.
Insurance Canopy’s base policy also includes professional liability (aka errors and omissions), products-completed operations, personal and advertising injury, and damage to premises rented. This means you get several essential coverages you need to protect your tutoring business without having to juggle multiple separate policies.
What Is Language Tutor Insurance?
Language tutor insurance is designed to protect language tutors and teachers. It covers risks and liabilities that may arise during instruction or tutoring services, protecting against financial losses, legal expenses, accidents, and property damage. It is essential for language tutors to have this insurance for peace of mind and uninterrupted work.
Why Do Tutors and Private Teachers Need Liability Insurance?
Tutors need insurance because there are several types of claims that can financially drain your business without tutoring insurance:
- While bringing your materials into a rented workspace, you trip on something and crash into a door, leaving a gaping hole. The landlord sues you for the cost of replacing it. General liability can cover this claim.
- You’re tutoring a student for the SAT test, and they fail, and accuse you of using the wrong prep materials. This type of claim can be covered by products-completed operations coverage.
- Someone sues you, claiming you didn’t deliver on your promises, so they ended up with a bad score on an exam or test, and sue you for false advertising. Personal and advertising injury coverage can come into play here.
Whether you tutor online or in person, you face risks as part of your profession. Educator insurance is a must for private tutors and teachers because it acts as a safety net for unexpected risks that may come your way.
What Types of Insurance Do Tutors Need?
Insurance isn’t one-size-fits-all, which can make it confusing. To simplify things, Insurance Canopy bundles several essential coverage types into an affordable policy for tutors:
- General Liability
- Professional Liability (aka Errors and Omissions)
- Products-Completed Operations
- Damage to Premises Rented to You (Fire Legal Liability)
- Personal and Advertising Injury
Optional add-on coverages include:
How Much Is Tutor Liability Insurance?
Insurance for tutoring businesses starts at $21.08 per month or $229 per year. Compare this to paying hundreds or thousands of dollars in claims or legal fees, and it’s easy to see just how affordable it is.
Tutor insurance is worth it for that priceless peace of mind, allowing you to focus on helping students improve in their most challenging subjects or prep for major tests. Learn more about tutor insurance cost.
What’s Covered in Tutor Insurance?
Below are coverages that are either included in or available to tutors and private teachers as add-ons when you purchase a policy from Insurance Canopy.
General Liability Coverage
Protect yourself from the cost of third-party injury and property damage claims with general liability insurance.
Imagine one of your students tripping and bumping their head against your desk, sustaining a cut on their forehead that requires stitches. They could decide to sue you to pay for their medical bills.
With general liability coverage, your out-of-pocket cost on these claims could be partly or fully covered.
Professional Liability Coverage (aka Errors and Omissions)
Protect yourself from the cost of claims that result from the advice and coaching you give as part of your tutoring business.
It can protect you from expensive claims, such as a client who claims you gave them the wrong advice for passing an AP college exam and they fail. They want to sue you for damages.
Luckily, this insurance can cover legal or settlement fees instead of paying for this out of pocket.
Products-Completed Operations Coverage
Products-completed operations coverage can protect you when someone is not satisfied with your products or services.
For example, you could give great advice on how to pass a math exam, but the student said your tutoring didn’t cover the right topics and they got a bad score so they decided to sue.
Cyber Liability Coverage (Optional)
Cyber crimes and data breaches are unfortunately becoming more and more frequent and can happen to any business.
A hacker could steal sensitive data from your computer or smartphone like client names, contact or payment info, birthdates, etc. Or you might unknowingly click on something, allowing malware to be installed on your machine.
Cyber liability coverage can cover attorney fees, the costs of resolving disputes with clients, data recovery fees, and more.
Damage to Premises Rented to You
If you rent a space for tutoring, you’ve covered for a broad range of damages that might occur during the first 7 days, such as:
- Accidentally damaging the floors while moving your furniture in
- Putting a nail through a pipe while hanging something on the wall
After the first 7 days, this coverage applies to rented premises damages if you accidentally cause a fire. For example, you light a candle, you leave for a quick bathroom break, and the candle falls over and starts a fire.
However, general liability can still cover claims of third-party damage to space you rent for work.
Personal and Advertising Injury
This coverage protects you against claims of slander, libel, false advertising, defamation, invasion of privacy, and more.
For example, you hear something about a competitor’s services and share it on social media, but it turns out to have been a rumor. The competitor can sue you for libel or slander.
Personal and advertising injury can cover legal and settlement costs so you don’t have to worry about draining your financial resources.
Equipment and Materials Coverage (Inland Marine; Optional)
As an educator, you invest in all types of gear to help you teach, from books and tablets to musical instruments. Equipment and materials coverage protects your investment.
Imagine you’re in the middle of a session and your student accidentally spills their glass of water all over your tablet. Now you’re looking at thousands of dollars to get a new tablet and missing out on other sessions while you wait on a new one.
Adding this coverage to your policy could provide you with financial assistance or completely cover the cost of replacing your equipment in a situation like this.
Additional Insureds
Additional insureds are third parties who require you to add them to your policy. Common examples include landlords, venues you rent or use for tutoring, schools that hire or allow you to tutor on-premises, and so on.
You can add unlimited additional insureds for free when filling out your online application or you can log into your dashboard and add additional insureds to your current policy.
Insurance Can Save You Thousands
When an honest mistake becomes a financial burden, liability insurance can save the day. With the right coverage for your business, you’ll have a safety net to fall back on. That peace of mind is priceless.
Client slips on a wet floor in your home, breaks their wrist, and sues you. $50,000
Miscommunication during a test prep leads to a failed score. $3,000
You knock over an expensive vase during a tutoring session at the home of one of your students. $10,000
Get covered instantly.
Student says you gave them false information for a test, causing unsatisfactory results. $5,000
Teacher fired an employee who sued them for wrongful termination. $77,237
Why Choose Insurance Canopy?
With Insurance Canopy, you get affordable, high-quality insurance tailored to your tutoring needs through our simple online application that takes 10 minutes or less to complete.
Our U.S.-based customer service reps are here to answer any questions you may have about your coverage and don’t make commission, so they aren’t trying to sell you coverage you don’t need. Plus, we have an A+ rating from AM Best, which is like having a great report card in the insurance industry.
- 24/7 access to your policy documents
- Instant Certificate of Insurance (COI)
- Ability to customize your coverage for your needs and budget
- Affordable pricing and option to pay monthly
- Free and unlimited additional insureds
You're In Good Company With Insurance Canopy
Over 78,000+ professionals, including Tutors and Private Teachers, trust Insurance Canopy for their liability insurance.
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Being a caricaturist, I never understood why I needed liability insurance, but it got to that point where I was missing opportunities because of it. So, I researched a bit... Read More
Paul McNeilly
November 12, 2024Best customer service I have ever had in regards to insurance.
Edward Findley
November 5, 2024This is only the second year I have had this insurance. Haven't had to use it. But it's nice to know i have it. The price is great too
Vickie Sundgren
November 3, 2024 -
Great to work with. Always available for assistance.
Courtney Araneo
November 3, 2024Super easy and convenient. Just renewed, thanks.
Wendy Berg
November 3, 2024Canopy insurance has been great for my business. Definitely a five star definitely recommend it..
Fernando Ferreira
October 12, 2024 -
Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.
Jacob Smith
October 7, 2024Rey was amazing. So easy! So fast!
Herman Koch
September 30, 2024Always treated well. They take care of my business insurance and I don’t have to worry about anything with insurance canopy in my corner. 10 year customer.
Mark Paquin
September 14, 2024 -
She is positive and friendly !
Alan Dynin
September 14, 2024Excellent rates and coverage! Did a lot of homework before going with Insurance Canopy, by far the best bang for the buck 🙂
Alana Wyld
September 14, 2024Affordable plan and very easy to access when I need it
Angela Lobianco
July 13, 2024 -
Always easy to use! Thank you!
CahillandDelene
July 12, 2024Great company with a courteous staff. Website is smooth and navigable with many options for all different kinds of fitness professionals. Best insurance options as well
Rich Bonifazio
July 12, 2024I have been associated with this company for 3 years. They would have deserved no more than 1-2 stars at the time. They have progressively leveled up their customer service... Read More
Angela Fischetti
July 12, 2024 -
Thank you so much for the wonderful service. It is alway so easy to renew my policy each year!
Jamilyn Boze
July 5, 2024Always done very well for us. Highly recommended.
Kenny Casanova
July 5, 2024Nothing but positive things to say. Great company, have used them for years.
Brandon Kennedy
July 5, 2024 -
I think this is the third year in a row that I continue to carry my independent contractor insurance through Insurance Canopy. They make it easy for me, and alert... Read More
susanf
July 5, 2024quick and easy to sign up and did not break the bank!!
Michael “Michael”
April 8, 2024Received many quotes that were multiple times more expensive. Needed something fast, easy and inexpensive for a high needs client. Customer had what they needed 5 minutes after... Read More
Robert Caudle
April 7, 2024 -
Easy to apply online, it take 5 mins and get your provf of Insurance.
Francesca Wine
April 6, 2024I had shopped a few websites including my home/auto policy holder and was not satisfied with their inability to insure me. Other sites wanted ridiculous down payments and one time... Read More
Lucia Boroczk
April 4, 2024Just the insurance I needed. I wish the website would allow me to share pages!
Ellen Brodsky
April 2, 2024 -
This insurance fits my needs as a yoga instructor with a small studio at a reasonable price.
Hillary Blackton
April 2, 2024It was fast and easy.
Vincent Cabello
March 31, 2024Chat support is terrific. I have chatted multiple times and each time the support team is very prompt, customer focused and knows the answers. The policy website is also very... Read More
Patrick McElhaney
March 27, 2024 -
Process was easy. Relevant information accessible. Platform is very user friendly.
Carolina Santos
March 26, 2024I've been using Canopy for all my businesses. Always responsive, easy to use and the cheapest around. Can't ask for more! - A 10+ note from a happy customer here!
Aaron Copenhaguen
March 26, 2024The agent was awesome, helped me through my application completely, very professional, humble and helpful! I love Canopy’s concept!!! Thanks, Lionel
Lionel Harrison
March 26, 2024
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Being a caricaturist, I never understood why I needed liability insurance, but it got to that point where I was missing opportunities because of it. So, I researched a bit... Read More
Paul McNeilly
November 12, 2024 -
Best customer service I have ever had in regards to insurance.
Edward Findley
November 5, 2024 -
This is only the second year I have had this insurance. Haven't had to use it. But it's nice to know i have it. The price is great too
Vickie Sundgren
November 3, 2024 -
Great to work with. Always available for assistance.
Courtney Araneo
November 3, 2024 -
Super easy and convenient. Just renewed, thanks.
Wendy Berg
November 3, 2024 -
Canopy insurance has been great for my business. Definitely a five star definitely recommend it..
Fernando Ferreira
October 12, 2024 -
Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.
Jacob Smith
October 7, 2024 -
Rey was amazing. So easy! So fast!
Herman Koch
September 30, 2024 -
Always treated well. They take care of my business insurance and I don’t have to worry about anything with insurance canopy in my corner. 10 year customer.
Mark Paquin
September 14, 2024 -
Excellent rates and coverage! Did a lot of homework before going with Insurance Canopy, by far the best bang for the buck 🙂
Alana Wyld
September 14, 2024
Have Questions About Insurance for Tutoring Businesses?
We’re On It.
If I Tutor Out of a School, Do I Still Need Liability Insurance?
Yes! Whether you tutor in a school, your home, or your students’ homes, you still need liability insurance because risks can creep up anywhere. For example, you enter a student’s home and accidentally knock over a vase and break it. The parents can file a property damage claim against you because it was an expensive vase.
How Do I Protect Myself as a Private Tutor?
You can protect your tutoring business by understanding and reducing your risks as well as obtaining the right insurance coverage.
For example, keeping your workspace clear of hazards can prevent accidental injuries. But having general liability insurance can cover the cost of medical expenses if a student accidentally trips over your equipment, sprains their ankle, and sues you to foot the bill.
Tutor Liability Insurance
Tutors and private teachers—enhance your professional security with affordable liability insurance tailored to your needs. For as little as $21.08 a month, get comprehensive coverage that protects against a variety of risks so you can focus on delivering quality education without worry.
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