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Tutor Insurance

Affordable liability insurance for tutors and private teachers

4.8/5

Affordable Insurance for Tutoring Businesses

Protect your tutoring business with Insurance Canopy’s A+ rated, affordable liability insurance for tutors and private teachers. Trusted by tutoring businesses nationwide, get comprehensive general and professional liability coverage to shield you from common risks so you can stay focused on what you do best—teaching!

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Tutor Liability 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.

$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

Optional Add-Ons

Private tutor and student in a lesson looking at paperwork

What Is Tutor Insurance?

Tutor insurance is general liability coverage tailored for private teachers and tutors,1099 employees, substitute teachers, tutors for SAT/ACT testing, math, science, music, and so on. It provides protection from third-party bodily injury or property damage claims.

Insurance Canopy’s base policy also includes Professional Liability (aka Errors and Omissions), Products-Completed Operations, Personal and Advertising Injury, and Damage to Premises Rented, giving you comprehensive coverage wherever you tutor at an affordable price.

Why Do Tutors and Private Teachers Need Liability Insurance?

Tutors need insurance because there are several types of claims that can financially drain your business without tutoring insurance:

  • While bringing your materials into a rented workspace, you trip on something and crash into a door, leaving a gaping hole. The landlord sues you for the cost of replacing it. General liability can cover this claim.
  • You’re tutoring a student for the SAT test, and they fail, and accuse you of using the wrong prep materials. This type of claim can be covered by products-completed operations coverage.
  • Someone sues you, claiming you didn’t deliver on your promises, so they ended up with a bad score on an exam or test, and sue you for false advertising. Personal and advertising injury coverage can come into play here.


Whether you tutor online or in person, you face risks as part of your profession. Educator insurance is a must for private tutors and teachers because it acts as a safety net for unexpected risks that may come your way.

What Types of Insurance Do Tutors Need?

Insurance isn’t one-size-fits-all, which can make it confusing. To simplify things, Insurance Canopy bundles several essential coverage types into an affordable policy for tutors:

Optional Add-On Coverages include:

How Much Is Tutor Liability Insurance?

Insurance for tutoring businesses starts at $21.08 per month or $299 per year. Compare this to paying hundreds or thousands of dollars in claims or legal fees, and it’s easy to see just how affordable it is.

Tutor insurance is worth it—it offers you peace of mind so you can focus on helping students improve in their most challenging subjects or prep for major tests.

What’s Covered in Tutor Insurance?

Below are coverages that are either included in or available to tutors and private teachers as add-ons when purchasing a policy from Insurance Canopy.

General Liability Coverage

Protect yourself from the cost of third-party injury and property damage claims with general liability insurance.

Imagine one of your students tripping and bumping their head against your desk, sustaining a cut on their forehead that requires stitches. They could decide to sue you to pay for their medical bills.

With general liability coverage, your out-of-pocket cost on these claims could be partly or fully covered.

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 tutoring business.

It can protect you from expensive claims, such as a client who claims you gave them the wrong advice for passing an AP college exam and they fail. They want to sue you for damages.

Luckily, this insurance can cover legal or settlement fees instead of paying for this out of pocket.

Products-Completed Operations Coverage

Products-completed operations can protect you from claims of someone not being satisfied with your services or products.

For example, you could give great advice on how to pass a math exam, but the student said your tutoring didn’t cover the right topics and they got a bad score, leading them to sue you.

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

If you rent space for tutoring, you’re covered for a broad range of damages that might occur during the first seven (7) days, such as:

  • Accidentally damaging the floors while moving your furniture in
  • Putting a nail through a pipe while hanging something on the wall


After the first 7 days, this coverage applies to rented premises damages if you accidentally cause a fire. For example, you light a candle, you leave for a quick bathroom break, and the candle falls over and starts a fire.

However, general liability can still cover claims of third-party damage to space you rent for work.

Personal and Advertising Injury

This coverage protects you against claims of slander, libel, false advertising, defamation, invasion of privacy, and more.

For example, you hear something about a competitor’s services and pass it along on social media, but it turns out to have been a rumor. The competitor can sue you for libel or slander.

Personal and advertising injury can cover legal and settlement costs so you don’t have to worry about draining your financial resources.

Equipment and Materials Coverage (Inland Marine; Optional)

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

Additional insureds are third parties who require you to add them to your policy. Common examples include landlords, venues you rent or use for tutoring, schools that hire or allow you to tutor on-premises, and so on.

You can add unlimited additional insureds for free when filling out your online application or you can log into your dashboard and add additional insureds to your current policy.

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.

Client slips on a wet floor in your home, breaks their wrist, and sues you. $50,000

Miscommunication during a test prep leads to a failed score. $3,000

You knock over an expensive vase during a tutoring session at the home of one of your students. $10,000

Get covered instantly.

Student says you gave them false information for a test, causing unsatisfactory results. $5,000

Teacher fired an employee who sued them for wrongful termination. $77,237

Sources: (AIM) (Hanover) 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?

Insurance Canopy offers affordable, high-quality insurance tailored to the needs of tutors with a simple, online application that takes 10 minutes or less to complete.

Our non-commissioned U.S.-based customer service reps are here to answer any questions you may have about your coverage. Plus, we have an A+ rating from AM Best, which is like having a good report card in the insurance industry.

You're In Good Company With Insurance Canopy

Over 78,000+ professionals, including Tutors and Private Teachers, trust Insurance Canopy for their liability insurance.

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    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

    Robert Caudle Avatar Robert Caudle
    April 7, 2024
  • Easy to apply online, it take 5 mins and get your provf of Insurance.

    Francesca Wine Avatar Francesca Wine
    April 6, 2024
  • I had shopped a few websites including my home/auto policy holder and was not satisfied with their inability to insure me. Other sites wanted ridiculous down payments and one time... Read More

    Lucia Boroczk Avatar Lucia Boroczk
    April 4, 2024
  • Just the insurance I needed. I wish the website would allow me to share pages!

    Ellen Brodsky Avatar Ellen Brodsky
    April 2, 2024
  • This insurance fits my needs as a yoga instructor with a small studio at a reasonable price.

    Hillary Blackton Avatar Hillary Blackton
    April 2, 2024
  • It was fast and easy.

    Vincent Cabello Avatar Vincent Cabello
    March 31, 2024
  • Chat support is terrific. I have chatted multiple times and each time the support team is very prompt, customer focused and knows the answers. The policy website is also very... Read More

    Patrick McElhaney Avatar Patrick McElhaney
    March 27, 2024
  • Process was easy. Relevant information accessible. Platform is very user friendly.

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    March 26, 2024
  • The agent was awesome, helped me through my application completely, very professional, humble and helpful! I love Canopy’s concept!!! Thanks, Lionel

    Lionel Harrison Avatar Lionel Harrison
    March 26, 2024

Have Questions About Insurance for Tutoring Businesses?
We’re On It.

Yes! Whether you tutor in a school, your home, or your students’ homes, you still need liability insurance because risks can creep up anywhere. For example, you enter a student’s home and accidentally knock over a vase and break it. The parents can file a property damage claim against you because it was an expensive vase.

You can protect your tutoring business by understanding and reducing your risks as well as obtaining the right insurance coverage.

For example, keeping your workspace clear of hazards can prevent accidental injuries. But having General Liability Insurance can cover the cost of medical expenses if a student accidentally trips over your equipment, sprains their ankle, and sues you to foot the bill.

Tutor Liability Insurance

Tutors and private 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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