Educators Professional Liability 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, Train, or Tutor
Or $229/Year
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Affordable Professional Liability Insurance for Educators
Gain the confidence to be the best educator you can be. Educators liability insurance covers your risks so you can focus on doing what you love. Choose your specialty below to explore pricing and coverage options custom-made to protect your career.
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.
$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
Financial coverage if you experience false allegations of sexual abuse, molestation, or misconduct.
$300,000
$500,000 or $1,000,000
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 instruction, you’ll have a safety net to fall back on. That peace of mind is priceless.
- Improperly labeled food served at a class party caused an allergic reaction, and the student’s parents sued the instructor for failing to prevent exposure. $32,500
- A student tripped over supplies left on the studio floor by their private music teacher, resulting in a broken arm. $21,493
- A tutor wasn’t able to deliver the promised number of online sessions and was sued for breach of contract. $25,500
- A fight occurred in a classroom while the teacher was briefly absent, resulting in injury. $29,566
- A corporate trainer accidentally disclosed confidential information about one client to another during a course. $20,000
Each business is unique, and your premium will be tailored to your specific needs. Credits and discounts are available (upon qualifying) and can be discussed with one of our agents.
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, homeschool, etc.)
- Tutors (private, in/after school, off-site, online, etc.)
- Music teachers (private, in/after school, group lessons, etc.)
- Professional development instructors (corporate trainers, continuing education instructors, etc.)
What Are the Risks of Being a Professional Educator?
It’s hard to fully grasp the risks in education until something goes wrong, especially if you teach outside a traditional classroom. Incidents like these lead to expensive liability claims and lawsuits for trainers, tutors, and private instructors:
- A tutoring student’s parents sue you because their child scored below expectations on the SAT after your online test prep.
- While bringing your continuing education materials into your client’s office, a box of training supplies falls and damages their hardwood floor. They sue you to pay for repairs.
- You break your portable keyboard while transporting it home from your student’s piano lesson. It will cost thousands of dollars to replace.
Liability insurance for educators can help you avoid paying for expensive claims out of pocket, giving you peace of mind for whatever your next session brings.
What Types of Insurance Do Educational Professionals Need?
Educators need these coverages to guard their business against liability risks:
- 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 protects 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)
- Free, Unlimited Additional Insureds
- Sexual Abuse and Molestation (SAM) Liability
- Workers Compensation Insurance
- Higher limits for General and Professional Liability ($1M per occurrence / $3M aggregate)
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 factors like which state you do business in and any optional coverages you add during checkout.
What’s Covered by Educators Liability Insurance?
♦ General Liability Coverage
A parent slips and falls in your entryway while dropping off a student for after-school tutoring, then sues you to cover their medical bills.
General liability insurance coverage can limit your out-of-pocket costs on third-party injury and property damage claims like this.
♦ Professional Liability Coverage (aka Errors and Omissions)
The student you’ve been tutoring for their AP English exam receives a low score that doesn’t meet their college program requirements. Their parents accuse you of giving poor instruction and sue you for damages.
Your reputation hangs on your subject knowledge, so claims that fault your expertise are especially discouraging to fight alone. Educators professional liability insurance is designed to be your personal safety net, guarding your finances so you can bounce back confidently after a claim like this.
♦ Products-Completed Operations Coverage
One of your saxophone students sues you, claiming that the way you taught them to hold their instrument caused them injuries that require continuing physical therapy.
If your sessions or the products you use to teach or train harm someone else, products-completed operations coverage could help cover expensive claims.
♦ Cyber Liability Coverage
An email claiming to be from a professional development client requests that you click a link to view your training payment invoice. Before you know it, you’re locked out of your work computer and all your clients’ personal data is being held ransom.
Data breaches and other cyberattacks are more common than you might think for self-employed tutors and training consultants. Even K–12 teachers have suffered more targeted phishing scams due to increased virtual communication and online classes. Add this optional coverage to your policy if you store students’ credit card details, phone numbers and other sensitive data.
♦ Damage to Premises Rented to You
You’re a private vocal coach renting out a local concert hall for your recital. Students messing around backstage during rehearsal knock over and damage sound equipment belonging to the venue. The building owner comes to you to pay the bill.
If you rent space for your training seminars, music lessons, or tutoring appointments and accidentally damage that property, this coverage could help you pay for repairs and replacements.
♦ Personal and Advertising Injury
You have a terrible experience substitute teaching at a private school, and talk about it openly on your social media. The school sees your post and decides to sue you for libel.
Personal and advertising injury coverage can respond to a claim like this and cover the cost of hiring an attorney and paying settlement fees.
♦ Equipment and Materials Coverage (Inland Marine)
You loan your personal tablet to a student during work time. They accidentally spill their water bottle all over it, and now you’re looking at hundreds of dollars to get a replacement.
When the money for teaching supplies comes out of your own pocket, replacing them hurts even more. Equipment and materials coverage (aka inland marine coverage) protects your investment in supplies from books and tech to musical instruments by paying your replacement costs if equipment is stolen or damaged.
♦ 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 for free. Add them during checkout while purchasing your policy or any time afterward from your user dashboard.
♦ Sexual Abuse & Molestation (SAM) Liability Coverage
You approach a student in your training seminar to review their work on a computer. You have to stand close to see the small type and accidentally brush their arm. The trainee misinterprets your proximity as an unwanted sexual advance and sues you.
When one false accusation or misunderstanding can have serious consequences for your career, the last thing you want to think about is how you’re going to pay for an expensive lawsuit. SAM liability insurance is designed to stand with you, covering costs like attorneys and court fees if you ever experience a false misconduct allegation.
♦ Workers Compensation Insurance
If you have one employee or more (including part-timers, seasonal help, and interns), most states require you to have workers comp insurance. This covers expenses like medical bills, lost wages, and funeral costs if an employee gets injured or sick due to work.
Insurance Canopy offers comprehensive workers comp coverage to keep your business compliant and your employees protected.
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
- RFree 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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Thank you so much
Steve Monreal
July 11, 2025I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie Calaway
July 4, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025 -
I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025Very easy to renew policy
Elyce Nissinoff
June 18, 2025Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025 -
Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025 -
What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More
Gretje Angell
June 18, 2025Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David Fox
May 18, 2025 -
They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 18, 2025everything is excellent
Radames Martinez
May 18, 2025Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!
Ishan Arvin
May 18, 2025 -
Affordable for dance & yoga folk. Thumbs up!
Maia Claire
May 18, 2025Affordable. Thank you.
Ana Young
April 18, 2025For me, this application process was super efficient and easy to navigate on line. That goes a long way!
Holly Mulder
April 18, 2025 -
I'm a new customer/policy holder. Super easy online application and policy setup. Very competitive rates. Certificate of insurance generated and received (PDF) immediately once method of payment established. Great service... Read More
Matthew Terry
April 18, 2025Canopy insurance has covered my DJ business for several years and I am totally satisfied with their services. Thank you DjVic🎧
DjVic Universal Sounds
March 18, 2025I have not had any issues over the years with Insurance Canopy, with canceling and renewing, I have found the cost of coverage in line or better then some. I have... Read More
John Corkins
March 18, 2025 -
I was feeling overwhelmed with the specifications needed for my insurance coverage. I was offered friendly, quick and clear assistance. Through Canopy and Rey's help I was able to obtain... Read More
ESPIE QUINTERO
February 18, 2025Great for Event Insurance - most affordable
Gaby Nobrega
February 18, 2025I have them for 3 years this year seems price went up . I have never had to use them for a claim so really couldn’t tell you about that!
Denice Lapointe
February 18, 2025 -
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, 2025Was 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
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Thank you so much
Steve Monreal
July 11, 2025 -
I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie Calaway
July 4, 2025 -
Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025 -
I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025 -
Very easy to renew policy
Elyce Nissinoff
June 18, 2025 -
Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025 -
Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025 -
Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025 -
Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025 -
What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025
Have Questions About Educators Liability Insurance? We’re On It.
Why Do Educators Need Professional Liability Insurance?
Professional liability insurance is a must-have for educators. It acts as a financial safeguard if something goes wrong, so you can continue doing what you’re passionate about. The school or organization you work for may even require you to be insured if you’re an independent contractor like a self-employed tutor, substitute teacher, or trainer.
Instead of losing sleep over how you’d pay legal fees if you were accused of wrongdoing or poor instruction, rest easy by insuring your career. If you’re suddenly faced with settlement costs and attorney fees, Educator Insurance is designed to cover out-of-pocket costs for your biggest risks.
If My School or Organization Has Liability Insurance, Do I Still Need a Policy?
Yes! Even if your school or the business you’re contracting for has liability insurance, that policy is in place to cover them for any mistakes they make — not you.
Most school or employer policies only extend to you in a narrow set of circumstances: when you are on their property and acting within the scope of your duties. That’s a lot of room for interpretation when it matters most.
Educators need a general and professional liability insurance policy in their name designed to put their interests first, no matter where and when they work. Instructors who would benefit from educators liability insurance include:
- After-school tutors who meet off school premises
- Substitute teachers who don’t qualify for school district insurance
- Corporate trainers who provide events and workshops in clients’ offices
- Private educators working out of rented spaces, their homes, or students’ homes
- Online instructors who teach through video, chat, and proprietary platforms
- K–12 and college teachers who want coverage beyond a school or union policy
- And many more!
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.
Edtech makes training seminars run more smoothly and brings concepts to life for remote students. But what happens when your presentation materials get stolen from your car during a corporate workshop, or your laptop gets drenched when the tutoring center’s sprinklers go off?
Equipment and materials insurance is designed to cover your repair or replacement costs and get you back to work faster.
Do I Have to Join an Association to Get Educators Liability Insurance?
Nope! Other providers may require you to be part of an association before you can purchase professional liability insurance for educators, but not Insurance Canopy. You can get coverage regardless of whether you’re part of an association or not!
Does Educator Insurance Cover Online Instruction?
Online tutors, trainers, and instructors can cover their virtual classes plus any in-person sessions with Educators Professional Liability Insurance from Insurance Canopy.
This policy includes protections for online education like professional liability to cover your advice and personal and advertising injury to guard against costly mistakes while promoting your services online. We recommend adding our cyber liability insurance to your policy for security while handling digital payments and students’ personal data.
Does Educator Insurance Cover Working With Students in Their Homes?
Yes, Educator Liability Insurance follows you wherever you tutor, train, or teach, including students’ homes, a client’s building, or a corporate venue. When you’re working in someone else’s space, coverage against potential property damage is key.
Say your heavy laptop bag knocks over expensive artwork in a tutoring client’s home, or you break a projector belonging to the client’s office during your continuing education workshop. Educator insurance can pay for repairs or replacements, helping you preserve your professional reputation.
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.
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