Teacher Liability Insurance
Affordable, customizable coverage for teachers
- For Public and Private School Teachers
- No Association Membership Required
- Instant Certificate of Insurance (COI)
- Manage Your Policy Online 24/7
- Covered Wherever You Teach
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Affordable Teacher Insurance
Protect your teaching career with teacher liability insurance from Insurance Canopy. Our policy shields you from common claims with general and professional liability insurance for teachers. Plus, it’s easily customizable with add-on coverages, allowing you to focus on shaping young minds instead of worrying about claims!
Teaching 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 Teacher Liability Insurance?
Liability insurance for teachers is a type of educator insurance designed to cover third-party bodily injury and property damage claims for public and private school teachers, 1099 employees, and substitute teachers.
Insurance Canopy’s base teacher insurance policy includes a variety of coverage types, from general liability to professional liability insurance (aka errors and omissions) to provide you with a comprehensive financial shield against costly claims.
Why Do Teachers Need Insurance?
Accidents happen, and those accidents can lead to expensive lawsuits. For example, a student’s parents could accuse you of failing to properly prepare them for an important test, resulting in bad grades and a rejection from their college of choice.
With teacher insurance, you could get financial support to pay for attorney’s fees, settlement costs, and other expenses associated with this claim instead of paying entirely out of pocket.
How Much Is Teaching Insurance?
You can get teacher liability insurance from Insurance Canopy starting at just $21.08 per month or $229 per year. This cost can be affected by which state you teach in or if you add any additional coverages to your policy during checkout, such as equipment and materials insurance or cyber liability.
Insurance isn’t just another expense — it’s a safety net to fall back on. When you consider how claims can easily cost you thousands of dollars to settle, the choice is clear: insurance is an important investment in your financial security and teaching career. Learn more about teacher insurance cost.
What Types of Insurance Do Teachers Need?
Teachers need a variety of insurance coverages to sufficiently shield themselves from claims, including:
- General Liability
- Professional Liability (aka Errors and Omissions)
- Products-Completed Operations
- Damage to Premises Rented to You
- Personal and Advertising Injury
All of these coverages are included with our base teaching insurance policy. However, you may find that you need additional coverage. Insurance Canopy makes it easy to customize your policy with add-ons like:
What’s Covered in Teacher Liability Insurance?
Insurance Canopy offers the following coverages as part of a base teacher insurance policy or as add-ons you can include during checkout.
General Liability Coverage
General liability insurance, sometimes called “slip-and-fall insurance”, responds to third-party bodily injury and property damage claims.
If your student injures themselves during one of your classroom activities, their parents could sue you for negligence.
With general liability insurance, you could receive financial support to pay for some or all of this claim.
Professional Liability Coverage (aka Errors and Omissions)
Professional liability insurance for teachers can protect you from the cost of a lawsuit over bad or faulty instruction you gave one of your students.
For example, if a student’s parents sue you and claim that you didn’t adequately prepare their child for an AP test, this insurance could help mitigate (or eliminate) the associated costs.
Products-Completed Operations Coverage
This coverage responds to bodily injury and property damage claims that happen away from your premises and occur as a result of your teaching instruction or services.
Picture this: you send your students home with instructions to create a science experiment as part of their homework. One student gets injured after following your instructions, and their parents sue you. Products-completed operations coverage could respond to this claim.
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, birth dates, 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
This coverage shields you from the cost of damages that may occur during the first seven (7) days of renting a space to tutor or teach out of, including:
- Scraping the floors while you were rearranging desks for your students
- Accidentally denting the classroom door while you were moving your equipment inside
After those first 7 days, this coverage applies to damages you caused by accidentally starting a fire on the premises. For other damages to your rented space that weren’t caused by a fire, your general liability insurance could cover the cost.
Personal and Advertising Injury
Not every work experience is great, so if you have a terrible experience working for one school and post about it online, the school could attempt to sue you for defamation.
Personal and advertising injury coverage could pay for associated legal fees, such as the cost of hiring an attorney or settlement expenses.
Equipment and Materials Coverage (Inland Marine)
If you use your own equipment when you teach, such as tablets, computers, or other educational materials, there’s always a risk they’ll be damaged or stolen. The cost of repairing or replacing this gear can be very expensive.
Equipment and materials coverage (known as “Inland Marine”) is an optional add-on from Insurance Canopy designed to protect you from shouldering the cost of fixing or replacing your gear out of pocket.
Additional Insureds
An additional insured is a person or organization that your policy doesn’t automatically cover, but you may add them at their request. This could be the public school that hires you as a long-term substitute teacher, for example.
With Insurance Canopy, you can add an unlimited number of additional insureds to your policy at no extra cost. You’ll have the option to add them during the checkout process or at any time afterward by logging in to your user dashboard.
Insurance Can Save You Thousands
Not all mistakes can be erased. When an accident happens and you’re held responsible for it, teaching insurance acts as a financial safeguard to save you from the out-of-pocket costs of claims like these.
Teacher sued for negligence after a student was injured during a classroom experiment. $200,000
Landlord sued a teacher for causing a fire in a rented after-school tutoring space. $75,000
Colleague accused a teacher of defamation for making false statements about them in a public forum. $100,000
Get covered instantly.
Teacher sued for failing to properly educate a student, resulting in the student’s poor academic performance and emotional distress. $150,000
Musical instruments stolen from a teacher’s car while being transported to a school event. $30,000
Sources: (Financedevil) (Travelers) (Insureon) (The Balance) (AdvisorSmith) (Progressive Commercial) Claim amounts are estimated based on additional internal knowledge and research. All policies have conditions, limitations, and exclusions. Please read the policy for exact verbiage. Claim scenario circumstances vary in nature and similar claims do not guarantee coverage.
Why Choose Insurance Canopy?
Affordable, top-class coverage is Insurance Canopy’s promise. We offer professional liability insurance for teachers you can purchase in a matter of minutes without ever leaving your house. Plus, we’re valedictorians in the insurance world with an A+ rating from AM Best.
Our U.S.-based licensed insurance agents don’t work on commission because we don’t want to sell you anything you don’t need. Instead, we want to help you find the best coverage for your budget that truly suits your needs.
- Instant Certificate of Insurance (COI)
- 24/7 access to your policy documents
- Customizable coverage that fits your needs and budget
- Monthly payment option available
- Free and unlimited additional insureds
You're In Good Company With Insurance Canopy
Over 78,000+ professionals, including teachers, trust Insurance Canopy for their liability insurance.
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TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.
February 4, 2025Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed Levitt
February 3, 2025As a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More
Kristie Williams
January 30, 2025 -
This insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.
Tony Felix
January 23, 2025Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John B
January 16, 2025I’m very happy with my purchase of liability insurance for a one-off event. I was even able to edit the policy after it had been issued with the help of... Read More
jay gedeon
January 6, 2025 -
Super easy to use and great service; I had a little error from my part and needed to correct it customer service was super helpful they guided me through the... Read More
Ana Zavala
January 6, 2025I needed some liability insurance for my business. The team at Insurance Canopy had great recommendations and the insurance was reasonable for the coverage. Web site and process... Read More
Susan Tedesco
January 6, 2025Great coverage, excellent price, terrific customer service. I checked out a lot of different carriers and they had the best reputation and coverage. Since most venues require insurance, it was... Read More
Steve Bryant
January 6, 2025 -
Was waiting for two other insurance companies to get back to me for over 2 1/2 weeks and losing money every day. Sitting here, frustrated I asked ChatGPT what... Read More
Chad Laibly
January 6, 2025Great and affordable insurance
Peter DAntoni
December 6, 2024Being 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 -
I’m just saying that is easy to get the vendors insurance with this company
Silvia Delgado
November 6, 2024Definitely a great asset to my business, I have never had a problem getting what I need from IC. Good communication skills, always get help from the agents, attenuative on... Read More
Robert Avila
November 6, 2024Your site was extremely easy to use, I was able to get my event insured for what the event planners wanted. The price was so affordable. Even chatting... Read More
Rebecca Ruby
November 6, 2024 -
Quick easy sign-up convince is great
Vincent Davanzo
November 6, 2024Great to work with. Always available for assistance.
Two Pour Girls Bartending
November 6, 2024Best customer service I have ever had in regards to insurance.
Edward Findley
November 5, 2024 -
Super easy and convenient. Just renewed, thanks.
Wendy Berg
November 3, 2024Great to work with. Always available for assistance.
Courtney Araneo
November 3, 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 -
Canopy insurance has been great for my business. Definitely a five star definitely recommend it..
Fernando Ferreira
October 12, 2024Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.
Jacob Smith Jr
October 7, 2024Rey 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, 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, 2024She is positive and friendly !
Alan Dynin
September 14, 2024 -
Had a great experience obtaining a policy quickly for a solo musical act. After a year, modified my policy to a fully staffed production easily using the chat feature of... Read More
Paul Tolle
September 6, 2024I am a professional mobile DJ. I use Insurance Canopy for a policy to cover my equipment and liability. They are easy to do business and the website makes... Read More
Don Kirby
September 6, 2024Best price I have found! Excited to be a customer
Dustin Price
September 6, 2024
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TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.
February 4, 2025 -
Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed Levitt
February 3, 2025 -
As a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More
Kristie Williams
January 30, 2025 -
This insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.
Tony Felix
January 23, 2025 -
Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John B
January 16, 2025 -
I’m very happy with my purchase of liability insurance for a one-off event. I was even able to edit the policy after it had been issued with the help of... Read More
jay gedeon
January 6, 2025 -
Super easy to use and great service; I had a little error from my part and needed to correct it customer service was super helpful they guided me through the... Read More
Ana Zavala
January 6, 2025 -
I needed some liability insurance for my business. The team at Insurance Canopy had great recommendations and the insurance was reasonable for the coverage. Web site and process... Read More
Susan Tedesco
January 6, 2025 -
Was waiting for two other insurance companies to get back to me for over 2 1/2 weeks and losing money every day. Sitting here, frustrated I asked ChatGPT what... Read More
Chad Laibly
January 6, 2025 -
Great coverage, excellent price, terrific customer service. I checked out a lot of different carriers and they had the best reputation and coverage. Since most venues require insurance, it was... Read More
Steve Bryant
January 6, 2025
Have Questions About Teaching Insurance? We’re On It.
If the School I Work for Has Liability Insurance, Do I Still Need a Policy?
Yes! Your school’s liability policy will only cover them for mistakes they make — not mistakes you’re held personally responsible for.
Let’s say a student’s parents claim that your poor instruction is to blame for their child’s bad grades and they sue you and the school. Your school’s insurance policy may only shield them from the financial burden of that claim, whereas you may be left to pay for your own defense costs out of pocket.
Do I Have to Join an Association to Get Teacher Insurance?
No, you do not have to be part of a teaching association to qualify for teaching insurance from Insurance Canopy.
How Do I File a Claim With Insurance Canopy?
Getting hit with a claim is stressful enough, which is why we make it as easy as possible for you to file one if you need to.
Simply follow these steps:
- Log in to your user dashboard
- Navigate to the “Manage Policies” section
- Click on “File A Claim” and add your information
- Submit your claim
It usually takes 24–48 hours to process your claim once you’ve submitted it. After that, a claims adjustor will get in touch to take you through the rest of the claims process.
Can Teachers Be Sued for Incidents That Occur at School?
Yes, they can. Teachers can be held legally liable for a variety of incidents, such as negligence that led to a student’s injury or for failing to provide adequate instruction to a student.
Teacher Liability Insurance
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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