Whether you’re an individual tutor or run a tutoring service, your one-on-one, individualized learning experiences can help students improve their work, study habits and academic performance.
But tutors also face high expectations. Our Tutor Insurance packages can help relieve you of some of that burden by protecting you from the risks that come with taking on the responsibility of a child’s educational success.
Two Common Tutor Insurance Coverages
Basic insurance for tutors usually include:
Professional liability or Errors and Omissions insurance can cover losses suffered by clients because of bad advice, errors, omissions and other forms of professional negligence on your part claimed by your clients.
Example: A parent of a child you tutor claims that your tutoring methods are ineffective and that their child is still failing his classes. The parent sues your tutoring service. Your professional liability/E&O coverage would cover the costs to respond to a lawsuit including lawyer’s fees and any settlements or judgements against you.
It’s important to remember that when providing professional services like tutoring, you always run the risk of unhappy clients that feel you failed to deliver as you should have and decide to sue.
Whether it has merit or not, a lawsuit can cause significant damage to your finances and reputation. Insuring your tutoring service against those suits is crucial for your long-term success.
Commercial general liability insurance can cover your tutoring service for expenses resulting from injuries to third parties and property damage that you would otherwise be liable for.
CGL insurance can also cover your tutoring service for lawyer’s fees, defence costs, settlements and judgements against you for lawsuits alleging personal injuries, property damage, false advertising and libel or slander.
Example: While providing in-home tutoring to a client, you accidentally drop her laptop on the floor, and it’s broken beyond repair. Your CGL policy would cover the costs of a new laptop and the fees for transferring the data from the old one.
CGL policies for individuals and organizations that work with children can also include Abuse Liability coverage which can cover legal expenses, settlements and judgements for lawsuits alleging liability or negligence in sexual, physical and emotional abuse cases.
Why do you need private tutor insurance?
Regardless of who you teach, where you teach, and how many students you have, private tutors should always consider purchasing insurance. Private tutor insurance protects your business against the operational risks of providing your services to students.
When you private tutoring lessons, you rely on the expertise and teaching methods of your hired teachers, classroom equipment, and learning materials. Although you aren’t providing a dangerous or high-risk service, there are still risks that could leave your business stuck in an expensive liability claim.
Private tutor insurance helps cover the expenses associated with liability claims, such as property damage, misconduct, negligence, and bodily injury.
How much does private tutor insurance cost?
It depends on the type of coverage you have and how much coverage you have. A robust, comprehensive insurance policy will be more expensive than a basic package. On average, private tutoring businesses can expect to pay anywhere from $300 upwards each year for insurance.
Factors that impact insurance cost include:
- Number of employees
- The services you provide
- Business location
- Value and amount of equipment owned
- Annual and projected revenue
- Years of experience
- Historical insurance data
- Your deductible
What does private tutor insurance cover?
Private tutor insurance coverage depends on the type of insurance you purchase. In general, it covers your business against liability claims, such as third-party injury, property damage, flood, fire, vandalism, or another insured peril. Below are some options you have.
Commercial general liability insurance protects the window cleaning business against liability claims arising from third-party injuries or property damage. It helps the business cover damages, medical bills, and settlement awards.
Errors and omissions insurance covers liability claims alleging negligence, a breach in contract, misconduct, errors, or failure to deliver a service as promised. If your customers suffer financial loss from the tutoring services you provided, errors and omissions insurance can help protect you.
Cyber liability insurance is important for all private tutoring businesses, but it’s especially important if you provide online lessons. It helps with notification costs, data retrieval, and other expenses related to cyber attacks.
Other Insurance Coverages Your Tutoring Service May Need
Get ALIGNED with Tutor Insurance brokered by specialists in commercial insurance.
Insuring businesses is all we do. We work with Canada’s top insurance companies to get you the protection you need at rates you can afford.