Educators Professional Liability Insurance
Safeguard your profession and finances with the right insurance
- Coverage for Public and Private Educators
- Manage Your Policy Online 24/7
- Instant Certificate of Insurance (COI)
- No Association Membership Required
- Covered Wherever You Teach
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Affordable Professional Liability Insurance for Educators
Educators Professional Liability Insurance Coverage
Coverage types and limits included in liability insurance for educators:
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.
$3,000,000
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
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.
Student tripped over supplies left on the floor, resulting in a broken arm. $21,493
P.E. teacher hit a student with a softball, causing facial injuries. $27,928
Improperly labeled food served at a class party caused an allergic reaction for a student with a peanut allergy, and the parents sued the teacher for failing to prevent exposure. $32,500
Get covered instantly.
Fight occurred in a classroom while the teacher was briefly absent, resulting in injury. $29,566
Teacher fired an employee who sued them for wrongful termination. $77,237
What Is Educators Professional Liability Insurance?
Educator liability insurance is a series of coverages designed to shield a wide variety of educators from the cost of common liability claims. These claims include instances of third-party bodily injury, property damage, or claims that you gave bad or incorrect instructions as part of your services.
Who Needs Educator Liability Insurance?
Many types of educators need liability insurance to protect themselves from costly claims, including:
- Teachers (K-12, college, substitute, etc.)
- Tutors (private, in/after school, etc.)
- Music teachers (private, in/after school, group lessons, etc.)
- Professional development instructors
What Are the Risks of Being a Professional Educator?
Educators often don’t realize the risks of their profession until something goes awry. Here are a few incidents that could lead to expensive liability claims:
- A student’s parents sue you because their child failed the SAT after receiving tutoring instruction from you.
- While bringing in your teaching materials to your student’s home, a box of your supplies falls and damages their hardwood floor. They sue you to pay for repairs.
- You break your portable keyboard while transporting it into the classroom at your school. It will cost thousands of dollars to replace.
Liability insurance for educators won’t force you to pay for these claims entirely out of pocket, giving you greater peace of mind if something goes awry.
What Types of Insurance Do Educational Professionals Need?
Educators need the following coverages to safeguard their business against liability claims:
- General Liability
- Professional Liability (aka Errors and Omissions)
- Products-Completed Operations
- Damage to Premises Rented to You
- Personal and Advertising Injury
Insurance Canopy’s educator liability insurance policy safeguards your finances by bundling all of these coverages into your base policy. We also make it easy to customize your policy with add-ons like:
- Cyber Liability (Data Breach Protection)
- Inland Marine (Equipment and Materials)
- Additional Insureds
How Much Is Liability Insurance for Educators?
With Insurance Canopy, you can buy educators liability insurance starting from just $21.08 per month or $229 per year. This policy includes general liability and professional liability coverage.
The final cost of your premium will depend on several factors, including which state you do business in and any optional coverages you select during checkout.
What’s Covered in Educators Liability Insurance?
General Liability Coverage
Protect yourself from the cost of third-party injury and property damage claims with general liability insurance.
If one of your students trips over supplies you left on the ground and injures themselves, you could be sued to cover their medical bills.
General liability coverage can mitigate or eliminate your out-of-pocket costs on a claim like this.
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 profession.
Picture this: the student you’ve been tutoring for their AP English exam fails the test. Their parents accuse you of giving poor instruction and sue you for damages.
Professional liability coverage can protect you in a case like this.
Products-Completed Operations Coverage
Imagine you’re a music teacher and one of your students sues you, claiming that the way you taught them to hold their instrument caused them injuries.
Products-completed operations coverage could help cover the cost if your student sues you to pay for damages.
Cyber Liability Coverage
Cyber attacks and data breaches are real and more common than you might think.
Add this insurance coverage to your policy if you store your students’ sensitive information on a computer, smartphone, or other device, including payment methods or personal data.
Damage to Premises Rented to You
Some educators rent space to teach or tutor students.
If you rent a space for your business and accidentally damage that property, this coverage could help you pay for repairs or replacements.
Personal and Advertising Injury
Let’s say you teach at a private school, have a terrible experience, and then talk about it online. The school sees your post and decides to sue you for slander.
Personal and advertising injury coverage can respond to a claim like this and help you pay for the cost of hiring an attorney and paying settlement fees.
Equipment and Materials Coverage (Inland Marine)
As an educator, you invest in all types of equipment and materials to help you teach, from books and tablets to musical instruments. Equipment and materials coverage (aka inland marine or business personal property coverage) protects your investment.
Imagine you’re in the middle of a teaching or tutoring session and your student accidentally spills their glass of water all over your tablet. Now, you’re looking at hundreds or thousands of dollars to get a new tablet and potentially missing out on other sessions while you order your replacement.
Adding materials and equipment 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
An additional insured is a person or organization not automatically included under your policy but who you add by request. If you’re hired by a school or organization as an independent contractor, they may ask you to add them to your policy to protect them from any mistakes you make.
Insurance Canopy allows you to add unlimited additional insureds to your policy, all free of charge. Add them during checkout while purchasing your policy or any time afterward from your user dashboard.
Why Choose Insurance Canopy?
At Insurance Canopy, we believe insurance should be easy, accessible, and affordable for educators like you. Our team of U.S.-based licensed insurance agents doesn’t work on commission, so you can rest assured knowing they’re here to help you get the coverage you need. Plus, we have an A+ rating from AM Best, so you know you’re getting top-class coverage.
- Quick online checkout process
- Instant Certificate of Insurance (COI)
- Customizable policies to suit your unique needs
- 24/7 access to your policy documents
- Free and unlimited additional insureds
You're In Good Company With Insurance Canopy
Here's what some of our over 14,700 customers have to say about their experience.
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July 12, 2024 -
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Affordable plan and very easy to access when I need it
July 13, 2024 -
I 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
July 12, 2024 -
Great 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
July 12, 2024 -
Always easy to use! Thank you!
July 12, 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
July 5, 2024 -
Nothing but positive things to say. Great company, have used them for years.
July 5, 2024 -
Always done very well for us. Highly recommended.
July 5, 2024 -
Thank you so much for the wonderful service. It is alway so easy to renew my policy each year!
July 5, 2024 -
quick and easy to sign up and did not break the bank!!
April 8, 2024 -
Received 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
April 7, 2024
Have Questions About Educators Liability Insurance? We’re On It.
Why Do Teachers Need Professional Liability Insurance?
Liability insurance is a must-have for educators. It acts as a financial safety net if something goes wrong, so you can continue doing what you’re passionate about. In some cases, the school or organization you work for may even require you to be insured.
Instead of worrying about how you’d pay legal fees if one of your students decides to sue you for poor instruction, you could alleviate this stress by insuring your business. If you’re suddenly faced with settlement costs and attorney’s fees, you can breathe a sigh of relief knowing your liability insurance policy can help mitigate—or even eliminate—your out-of-pocket costs.
If My School Has Liability Insurance, Do I Still Need a Policy?
Yes! Even if your school has liability insurance, that policy is in place to cover them for any mistakes they make—not you. Most likely, their policy only extends to you when you are on the school’s property.
Imagine that you meet up with a student off the premises for after-school tutoring and the student trips over your teaching equipment and hurts themselves. The school’s liability insurance wouldn’t respond to that claim because it didn’t happen on school property. But, if you have educators liability insurance, you could receive coverage and be protected from paying entirely out of pocket.
Does My Insurance Cover My Supplies and Equipment?
If you add equipment and materials coverage (aka inland marine) to your policy for just $2.17 per month, you can receive coverage if your business gear is stolen or damaged. We offer up to $4,000 in coverage per year.
The materials and equipment you use for teaching can be pricey, especially if you’re using laptops, tablets, or other tech to help your students learn. If a student accidentally breaks your device during a tutoring session, equipment and materials insurance could cover the repair or replacement costs.
What’s Not Covered by Educators Liability Insurance?
Exclusions that educators insurance can’t cover include:
- Aesthetic or esthetician training or services
- Animal care, service, or training
- Architecture or engineering
- Artisan trade training
- Aviation/drone UMA
- Carpentry, wood carving, or instruction on power tools
- Charter schools
- Colleges, universities, vocational, or trade schools
- Construction management
- Daycare or childcare
- Drivers education
- Furniture making
- Glass blowing
- Gun/weapons safety or concealed carry courses
- Law enforcement, including school resource officers
- Medical professional services, including homeopathic or Ayurveda practitioners or practices
- Primary and secondary schools
- Public or private educational institutions, their board members, and/or owners
- Religious instructions
- Safety/OSHA
- Security guards
- Transportation-related training, including behind-the-wheel training
- Welding and wood-burning instruction
Do I Have to Join an Association to Get Educators Liability Insurance?
How Much Does Professional Liability Insurance for Educators Cost?
An educators liability insurance policy starts at $21.08 per month, or $229 year. The amount you pay will depend on which state you do business in, as well as whether you choose to customize your policy with optional coverages like equipment and materials or cyber liability insurance.
Educator Liability Insurance
Educators, safeguard your career with affordable liability insurance that doesn’t compromise on coverage! Enjoy comprehensive protection covering a wide range of scenarios, ensuring you can teach confidently and securely.
Don’t wait—secure your peace of mind today and focus on what you do best: educating and inspiring the next generation.
