Tutor Insurance
Affordable liability insurance for tutors and private teachers
- Covered Wherever You Tutor
- Manage Your Policy Online 24/7
- Instant Certificate of Insurance (COI)
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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!
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
Included
Optional Add-Ons
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:
- General Liability
- Professional Liability (aka Errors and Omissions)
- Products-Completed Operations
- Damage to Premises Rented to You (Fire Legal Liability)
- Personal and Advertising Injury
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
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.
- 24/7 access to your policy documents
- Instant Certificate of Insurance (COI)
- Ability to customize your coverage for your needs and budget
- Affordable pricing and option to pay monthly
- Free and unlimited additional insureds
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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Affordable plan and very easy to access when I need it
Angela Lobianco
July 13, 2024I 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
Angela Fischetti
July 12, 2024Great 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
Rich Bonifazio
July 12, 2024 -
Always easy to use! Thank you!
CahillandDelene
July 12, 2024I 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
susanf
July 5, 2024Nothing but positive things to say. Great company, have used them for years.
Brandon Kennedy
July 5, 2024 -
Always done very well for us. Highly recommended.
Kenny Casanova
July 5, 2024Thank you so much for the wonderful service. It is alway so easy to renew my policy each year!
Jamilyn Boze
July 5, 2024quick and easy to sign up and did not break the bank!!
Michael “Michael” Jobe
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
April 7, 2024Easy to apply online, it take 5 mins and get your provf of Insurance.
Francesca Wine
April 6, 2024I 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
April 4, 2024 -
Just the insurance I needed. I wish the website would allow me to share pages!
Ellen Brodsky
April 2, 2024This insurance fits my needs as a yoga instructor with a small studio at a reasonable price.
Hillary Blackton
April 2, 2024It was fast and easy.
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
March 27, 2024Process was easy. Relevant information accessible. Platform is very user friendly.
Carolina Santos
March 26, 2024The agent was awesome, helped me through my application completely, very professional, humble and helpful! I love Canopy’s concept!!! Thanks, Lionel
Lionel Harrison
March 26, 2024 -
I've been using Canopy for all my businesses. Always responsive, easy to use and the cheapest around. Can't ask for more! - A 10+ note from a happy customer here!
Aaron Copenhaguen
March 26, 2024Getting insurance is the best thing a fitness professional can do to protect themselves. I feel better knowing Canopy has got my back. Simple and easy to sign up.
Herman Hildo
March 25, 2024I Am tremendously grateful for the help I received in getting the right understanding of what policy was best to fit my needs! Thank U Canopy and Staff
Darron Hines
March 25, 2024 -
Super friendly service..
Kristina Strong
March 25, 2024I was concerned that I wouldn't find a company that could check all the boxes on our coverage wishlist. It only took one quick call and my questions were answered.... Read More
Greg Hoover
March 25, 2024Reasonable rates for small business owners. It was tough finding a policy that met my needs, but was fortunate to find Insurance Canopy. Highly recommended.
Kate Whelan
March 25, 2024 -
Very easy process to get peace of mind
Kristen Talusan
March 25, 2024great experience so far, always able to reach a human representative on the phone!
New Groove
March 25, 2024Insurance Canopy gives me peace of mind for my practice.
Adriana Chacon
March 25, 2024 -
Great service, affordable insurance, easy to work with.
Roland Cache
March 18, 2024The wait was way too long, however it was worth it. The representative that helped me was knowledgeable, patient, and reassuring.
susan fletcher
March 11, 2024Fast procedure with clear price options. Did everything in less than 5 minutes
Ron Geraci
March 11, 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 Insurance for Tutoring Businesses?
We’re On It.
If I Tutor Out of a School, Do I Still Need Liability Insurance?
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.
How Do I Protect Myself as a Private Tutor?
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.
