There’s no doubt that as a tutor, you provide an invaluable service to your students. As an educator, you help students solve a variety of problems, from writing and history to math and science. But when it comes to running a tutoring service, there’s one problem many tutors are unprepared to face, and that is a legal charge, the effects of which could devastate your small company.
It’s vitally important to prepare for legal action against you. Especially because you work so intimately with your students. That’s why you should protect yourself with tutor insurance.
Let’s take a look at the kind of coverage that exists for you as a tutor and why you need it.
Also called “business liability” or “commercial general liability,” general liability can protect you from bodily injury and property damage claims,
like students getting hurt during a tutoring session or breaking something at the location you are teaching.
Of course, you never plan for accidents to happen. No one does. That’s why tutor insurance exists, after all. But life can be messy, and accidents do happen… a lot. According to a recent study by Hartford, in today’s litigious society, it’s expected that four out of every ten small businesses will face at least one bodily injury or property damage claim in the next year. If you’re not covered, you may find yourself paying for legal fees and medical or repair bills out of pocket.
While you can’t prevent accidents from happening during your business operations, you can prepare for them with tutor insurance. General liability for tutors is designed to mitigate the costs of legal action and may keep you from paying fees you would otherwise have to pay without coverage.
Unlike general liability, professional liability, also called “errors and omissions,” can protect tutors from claims surrounding your professional operations, like failing to educate a student on a topic that should have been taught.
For example, let’s say a tutor was hired to help a high school student prepare for the SAT, who mistakenly omitted certain aspects of the exam. As a result, the student did not perform well on the test. The tutor could be held liable and may face legal action against them. Tutor insurance could respond to fees they are legally liable for depending on the covered claim.
Tutors can receive many kinds of work-related claims, even false or illegitimate claims, all of which cost money to face. With professional liability, you can give yourself peace of mind and a financial safety net for your business.
DO TUTORS REALLY NEED COVERAGE?
Running a tutoring service is hard enough on its own. Don’t make it harder for yourself by choosing not to get insured. Tutor insurance is a great way to make sure you are protected when, not if, a general or professional liability claim comes your way, allowing you to gain a financial safety net.
As a tutor, your small business provides an invaluable service to your students. Make sure you can continue to do so for a long time to come by protecting yourself with insurance coverage today.
Learn More About Tutor Insurance