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Tutor Insurance

Liability insurance for tutors and private teachers



Per Month

Business Insurance for Tutors

Insurance Canopy helps tutors protect their businesses from the cost of liability claims with A+ rated, low-cost insurance. Insurance Canopy is rated by AM Best, a national insurance rating company. With general and professional liability coverage, our tutor insurance plan covers the majority of risks a tutor may face. With Insurance Canopy you can run your business with peace of mind!

Our Partners
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Cover Your Needs

Tutors face a unique set of risks. As such, you need a unique combination of insurance policies to cover your business. Insurance Canopy provides you with a customized insurance plan, including general liability, professional liability, and additional insureds.

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Keep Your Business Running

A single liability claim could cost your tutoring business thousands of dollars in out-of-pocket expenses, not to mention damage your reputation as a tutor. Tutor insurance is designed to mitigate—and even eliminate—the cost of claims, so you can continue running your business.

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Unlimited Additional Insureds

If you teach lessons in a rented space, or run your business at several different locations—like a school or tutoring club—you may be required to have insurance and include the locations as additional insureds.

Tutor Insurance: Coverage Details

General & Professional Liability Limits

The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business and professional services.


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 products that are manufactured, sold, or distributed.


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


The maximum the insurance carrier will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business and professional services.


The most we will pay for property damage to any one premises, while rented to you, or in the case of damage by fire, while rented to you or temporarily occupied by you with permission of the owner.


Medical Expense (Any one person)


Additional Limits

Inland marine insurance covers tangible property that is movable or transportable in nature (e.g. supplies, equipment, or inventory) but excludes coverage for structures and items that are part of the structure. Note: a $250 deductible applies to this coverage.


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Have Questions?
Our licensed agents are available to answer any questions you may have (se habla español)

Do Tutors Need Insurance?

Yes. As a tutor, you are susceptible to many different kinds of claims such as broken or stolen business equipment, client injuries, and clients not reaching their desired goal. These claims can often be expensive and could financially devastate your business. General and Professional Liability insurance can help mitigate or even eliminate those out-of-pocket costs. 

The Ideal Private Tutor Insurance

Insurance Canopy offers a comprehensive combination of general and professional liability, creating the ideal protection against the risks your tutoring business faces. If you need more coverage, additional policy options are also available according to your business needs.

General Liability – Protects against third-party bodily injury and property damage claims arising from accidents involving your business. Common claims include students getting injured during a lesson or accidentally breaking something at your place of business.

Professional Liability – Protects against third-party negligence claims arising from your business operation. Common examples of claims include errors and omissions made during the teaching process or failure to help students achieve certain goals.

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Need More Coverage?

Cyber Liability ($99) – Protects from first- and third-party claims arising from a cyber security breach within your business. Common claims include repairing or replacing compromised equipment, recovering lost data, and compensating for lost customer data.

Additional Insureds – Insurance Canopy offers free, unlimited AI’s to help protect your business. This extends your coverage to rented spaces and other businesses where you might teach from the cost of accidents caused by your business. It is common practice for you to include these locations as an additional insured on your insurance policy.

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Questions About Tutor Insurance

Tutor insurance from Insurance Canopy provides coverage for tutors teaching many K-12 subjects, test preparation and college-level instruction, professional or corporate trainers, and more.

Tutors are always involved with people; consequently, they run the risk of having legal action brought against them. Our coverage responds to those instances and can be your financial safety net for things you are legally liable to pay for.

Get a Quote Today

As a private tutor, claims can happen at any moment. While it is impossible to know when one may happen, you can prepare for possible incidents with private tutor insurance.

  • By carrying liability insurance, you can enjoy financial peace of mind and give your business a safety net in case of liability claims
  • Liability insurance pegs you as a serious professional
  • Liability insurance gives you a layer of defense against claims such as bodily injury or property damage
  • You could face negligence claims for not preparing a student adequately for tests (ACT, SAT, etc.)

Get a Quote Today

Tutor insurance starts at $229/yr and provides tutors with professional and general liability coverage. The cost can differ depending on your selected coverage and the state your business operates in. 

Get a Quote Today

If you are a private tutor you need tutor insurance. Teachers or educators who work in a school are not covered by this insurance policy. If you are a teacher who tutors privately on the side, this policy can help protect your tutoring business

Jobs that require tutor insurance are:

  • Tutors for specific tests (ACT, SAT, etc.)
  • Tutors who go to client’s homes
  • Online tutors 

An additional insured is a landlord or business owner from whom you rent a business space. They may require you to list them as an additional insured on your tutor insurance policy if you rent your business space from them. You can add an additional insured to your insurance policy at any time. 

Choosing the right insurance is critical.
You can’t afford gaps in your coverage that could put you out of business.
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Need additional information before making a decision?

Give our team a call today at 844.520.6993

You're In Good Company With Insurance Canopy

Here's what other people have to say about their experience.

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Liability Insurance for Tutors and Instructors

Annual Policy: Starting at $21.08 per month – As a tutor, you work closely with people—in and out of their homes. Insurance Canopy provides tutors with peace of mind through home tutor insurance and professional liability insurance for tutors. We’ve taken the time to get to know the potential risks tutors face, so we’ve tailored this insurance package to your particular needs. Let us be your professional resource to help your business thrive.

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