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Educators

Free resources to support and inspire your teaching. Find printables, templates, career and business development help, and tips for navigating coverage — all created by teachers and tutors, licensed insurance agents, and small business specialists from Insurance Canopy.

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Do Teachers Need Liability Insurance? [8 Reasons to Buy Your Own]

Most teachers should carry their own professional liability (errors & omissions) and general liability coverage, even if their district, school, or union provides some protection. Institutional policies may not cover […]

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Recent Articles

teacher with young students surrounding her in classroom smiling

New Teacher Checklist: Legal, Financial, and Classroom Essentials

On my first day as a college English teacher, terrified and wobbly in my new...

Teacher holding a tablet stands in front of her class, who is working on computers in a school computer lab

Private vs Public School: Teacher Liability Insurance for Your Classroom Risks

Most teachers have a near-miss story. An allergic reaction to the class snack. A parent...

A woman with shoulder-length blonde hair helps a young male student in a blue sweater as he writes in a workbook at home.

Homeschool, Pod, & Online Teacher Insurance: Do You Really Need It?

The types of opportunities available to teachers are more varied than ever. While teaching used...

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How to Start a Tutoring Business: 9 Business Basics for Tutors

Creating your own schedule. Choosing...

Best Online Tutoring Jobs

Overwhelmed by all the online...

What Does Teacher Liability Insurance Cover? The 101 on This Essential Coverage

Teaching can be an endlessly...

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    Exclusions

    This policy is not designed to cover:

    • Industrial control engineers
    • Defense contractors
    • Medical software companies
    • Crypto exchanges
    • Gambling platforms
    • Physical security system installers
    •  Heavy equipment integrators

     

    Not available if you manage or control systems involving:

    • Pressure or ventilation systems
    • Fire suppression or explosives
    • Hazardous materials
    • Radiation or pharmaceuticals
    • Water supply or waste management
    • Energy, fuel, mining, construction
    • Environmental systems
    • Aircraft, drones, spacecraft
    • Watercraft, trains, automobiles, motorcycles
    • If you build firmware or embedded software controlling industrial physical equipment.
    • If you support:
    • Military operations
    • National defense
    • Homeland security
    • Law enforcement
    • Weapons
    • Anti-terrorism
    • Public safety
    • Surveillance
    • Crime detection
    • Emergency response
    • Physical security systems
    • If more than 25% of your revenue comes from:
      • Federal government work
      • Military or defense operations
    • If more than 50% of your revenue comes from:
    • Equipment installation
    • Maintenance
    • Physical service work



    Restricted if you work in:

    • Ride-sharing platforms
    • Equipment sharing platforms
    • For-rent-by-owner platforms
    • Help-for-hire platforms
    • Delivery services
    • Banking or financial services
    • Cryptocurrency / blockchain / NFTs
    • Geospatial mapping / aerial photography
    • GPS systems
    • Gambling or gaming
    • Dating or sexually suggestive content
    • Violence-related content
    • Alcohol, marijuana, CBD
    • Tobacco / nicotine / e-cigarettes
    • Flammable or electrical products
    • Food-related services

    Our licensed, U.S.-based agents are here for you from 8 a.m. to 8 p.m. Eastern, Monday through Friday, so they can enjoy evenings and weekends with the people who matter most.