Driving instructors instruct newbies on proper driving techniques and habits. Some also provide special lessons on driving commercial vehicles such as box trucks. If you’re working as a driving instructor, consider purchasing insurance. You can hurt someone while teaching a student how to drive a cargo van. Negligence is another problem that you have to think about too.
You must invest in driving instructor insurance to protect against liabilities for your business on and off the road. Read this guide to know what policies are included, the cost of premiums, and the best companies:
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $2,000,000 | $1,000,000/$2,000,000 |
| Aggregate limit | $2,000,000 | $2,000,000 | $1,000,000/$2,000,000 | $2,000,000 | $1,000,000/$2,000,000 |
| Products and completed operations aggregate limit | $2,000,000 | $1,000,000 | $2,000,000 | $1,000,000 | $1,000,000 |
| Advertising injury coverage aggregate limit | $1,000,000 | $1,000,000 | $2,000,000 | $1,000,000 | $1,000,000 |
| Tenant’s legal liability coverage limit | $300,000/$1,000,000 | $300,000 | $100,000 | $100,000 | $1,000,000 |
| Waiver of subrogation included? | Yes | No | Included | Can be included | No |
| Hired/non-owned auto liability coverage included? | Yes | No | No | Can be included | Can be included |
| Equipment breakdown floater included? | No | Yes | Yes | Can be included | Can be included |
| Can you get a certificate of insurance online? | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
| Deductible | $0 | $0 | $0 | $0 | $0 |
General liability insurance can be an excellent policy addition to driving lessons insurance program. It covers liability costs for third parties for personal, property, and bodily injury. The policy can also cover any property damage to these same parties. Examples include:
A client’s electronics get damaged in your office
Your client slips and falls on your driving instructor's business property
You say something untrue about a client, and they sue you for slander
General liability insurance generally has a coverage limit between $300,00 and $1 million.
Your driving instructor insurance average cost for general liability coverage will be around $43 per month or $500 annually.
Driving instructor insurance companies offer ways to customize your insurance policy through additional policies like:
Employment practices liability–Protects you from employee lawsuits that accuse you of workplace harassment, wrongful termination, and other related issue
Product and completed operations liability–Gives liability protection for incidents away from your business premises
No. You do not generally require general liability insurance to maintain a driving instructor business. However, general liability insurance can prevent you from a costly lawsuit with the potential to bankrupt you.
| CoverWallet | NEXT | Thimble (Best) | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $1,000,000 | $1,000,000 |
| Aggregate limit | $2,000,000 | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000 | $2,000,000 |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
| Waiver of subrogation included? | Yes | No | Yes | Can be included | No |
| HIPAA coverage included? | No | No | No | No | No |
| Sexual misconduct coverage included? | No | No | No | No | Can be included |
| License defense coverage included? | No | No | No | No | Can be included |
| Deductible | $500 | $500 | $500 | $50/$10,000 | $500 |
Driving instructor professional indemnity insurance is a policy that protects you and your driving instructors when they make a mistake as a part of their job. Situations to use this policy include:
A driving instructor provides the wrong instruction and causes the client to get into a fender bender
The business owner makes a scheduling mistake that causes a client to lose money
Professiona liability insurance for driving lessons can offer an extended reporting period add-on for your professional liability coverage. This add-on allows you more time to file your claim.
Another add-on to consider is an excess liability insurance policy. This will let you extend your driving instructor's professional liability insurance coverage limits.
Coverage limits for professional liability policies average around $1 million per occurrence. Your driving instructor insurance cost will be higher if you need a policy with a higher limit.
Professional liability is an important policy you want to take advantage of. You may be tempted to only look for cheap driving instructor insurance without the protection of professional liability insurance. However, going cheap can bite you later when you run into an unexpected and costly liability.
You never plan on making mistakes, but they can still happen. The best plan is an insurance policy to give you peace of mind for your business. The lawsuits that professional liability insurance can protect you against can potentially bankrupt your business.
Driving instructor public liability insurance is policy coverage that only includes third-party injuries from the general public. This policy covers incidents when the public enters your commercial property. Some situations where you can use this policy include:
While on a driving instructor trip, a pedestrian gets injured
Someone enters your property and slips and falls on a poorly placed rug
Public liability insurance typically has coverage limits of $1 million per occurrence and $2 million in aggregate. These coverage limits will change based on your policy.
No. Public liability insurance is part of general liability insurance. A public liability insurance policy is unnecessary if you already have a general liability insurance policy.
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| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $260,000 | $25,000/$500,000 | $25,000 | $60,000 |
| Contents coverage limit (minimum) | $50,000 | $22,000 | $25,000/$500,000 | $25,000 | $60,000 |
| Outdoor signs | Excluded | $2,500 | Excluded | Excluded | Excluded |
| Accounts receivable | Excluded | Excluded | $5,000/10,000 | Included | Excluded |
| Money and securities | Excluded | $2,500 | $1,000 | Included | Excluded |
| Lock and keys | Excluded | $2,500 | Excluded | Excluded | Excluded |
| Business interruption floater | Excluded | Included | Included | Included | Excluded |
| Equipment breakdown floater | Excluded | Included | Excluded | Excluded | Excluded |
| Inland marine insurance floater | Excluded | Excluded | $10,000 | Excluded | Excluded |
| Employee dishonesty floater | Excluded | $5,000 | $2,500 | Included | Excluded |
A commercial property insurance policy protects your business, building, and personal property. See below for a few example situations where you might use this coverage.
A thief breaks into your commercial property building and vandalizes it
A flood causes damage to the electronics in your driving instructor building
The best driving instructor insurance will offer typical commercial property coverage limits of about $60,000 or more. This coverage limit is determined by the value of your business building and the property stored in it.
Debris removal coverage can be a good pick for your policy because it allows you to get reimbursed for cleanup costs from insured events like a building fire
Earthquake insurance protects your property from landslides and earth movement-related physical damages
Sadly, even the best commercial property policies will have some exclusions. Any property damage from your negligence will be excluded from commercial property policies. This rule includes termite damage, rusted pipes, and poorly maintained facilities.
| CoverWallet | Thimble (Best) | NEXT | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| General liability aggregate limit | $2,000,000 | $2,000,000 | $2,000,000 | $300,000 | $1,000,000/$2,000,000 |
| Commercial property coverage limit | $50,000 | $500,000 | $260,000 | $25,000 | $75,000 |
| Optional policies can be added? | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds for free? | Yes | Yes | Yes | Yes | Yes |
| BOP discount? | Yes | Yes | Yes | Yes | Yes |
Highway driving instructor insurance must have liability and property protection to protect your business successfully. A business owner's policy is an excellent option with general liability and commercial property coverage.
It can be a superb pick for a less expensive policy. Bundling policies with a business owner’s policy often costs less than buying multiple separate policies. Examples include:
A customer slips and falls on your business property
A thief breaks into your office and steals your electronics
You have a client whose property is damaged during your driving lessons
Business owner's policy gives you around $500,000 on average, though driving instructors may want a higher coverage limit of around $1 million.
Some business owner’s policies allow you to include inland marine insurance. This policy protects your business property, like tools and materials, as they are transported to you or different locations over land. This protection also extends to property that is in a business's care.
Consider cyber liability insurance, which protects you against perils from data breaches, cyber security attacks, and telling customers their data has been accessed.
Gap insurance for driving instructors is additional coverage for financed vehicles. Sometimes, you will owe more on your loan than your car is worth. This situation sometimes happens because of the depreciation of the value of automobiles over time. Some situations gap insurance comes in handy include:
A car covered by your business crashes, and you owe more on the car than it is currently worth
Your auto loan has a remaining balance, and your car is totaled
To calculate gap insurance refunds, you divide the total cost of your insurance by the number of months you had the coverage. Gap insurance refunds only apply if you pay for the policy upfront.
Gap plans are not worth it if you buy your item or vehicle outright. They only are valuable if you are financing your property.
Driving instructor car insurance companies offer commercial auto insurance that protects your business vehicles from damage and you from liability. It will also include liability coverage for accidents your vehicles cause. Some situations to use this insurance include:
A business vehicle you own gets into a collision incident
Someone steals a business vehicle you own
Driving instructor car insurance is generally made up of several different policy options, which are outlined below:
Comprehensive–A comprehensive policy covers damages to your business vehicle from theft, fire, vandalism, and many events besides road collisions
Collision–This policy will cover your car’s damage in road collisions. It will help pay for the costs to repair or replace your vehicle after considering your deductible and coverage limits. It’s different from liability coverage because it only covers your car
Auto liability–Your auto liability coverage will help pay to repair or replace someone else's car if you are at fault for causing an accident on the road. The best car insurance for driving instructors will offer coverage for property damage and bodily injuries at a competitively low price
Underinsured motorist–This provides coverage when another driver is at fault, but their insurance policy isn’t enough to cover the damage
Rental reimbursement–You get reimbursed for the rental costs you incur when renting a vehicle
Roadside assistance–This policy covers costs to tow and fix your car when it breaks down on the side of the road
Medical payments–You can use medical payments coverage to help pay medical costs for drivers and passengers. It will pay benefits regardless of who is at fault in the accident
Commercial auto coverage limits range between $100,000 and $1 million for liability protection.
The cheapest car insurance for driving instructors will be a policy with low coverage. In some states, you can meet coverage requirements without insurance. For example, you only need to pay an uninsured motorist fee of $500 annually to satisfy Virginia's insurance requirements. However, going cheap is not a good idea. While saving money in the short term, you risk a big lawsuit or other cost in the long term.
Your driving instructor insurance quote for commercial auto is affected by driving habits, coverage limits, and which deductibles you choose. If you want a better premium quote, you can also sign up for installing anti-theft devices in your vehicles. These devices help insurers save money on coverage costs.
Workers' compensation insurance is a policy that an employer buys that protects workers by providing medical benefits and lost wages when injured. Examples of times to use this policy are listed below.
An employee falls while on the job and can only work at a reduced capacity
A driving instructor often develops chronic pain from being in a car
Your employee gets into an accident that leaves them disabled and unable to perform their previous duties
Most states require businesses with full-time employees to purchase a workers’ compensation policy. This law ensures that workers can earn an income even if they become temporarily or permanently disabled from activities on the job. Some types of employees, like independent contractors, are not required to be covered under state laws. To get protection, these employees would need a separate policy.
The beneficiaries of worker’s compensation are employees, but employers or business owners pay for the premiums. Employees who want to get their own insurance policy to protect themselves from debilitating injuries should get disability insurance. A disability insurance policy can protect them from injuries on and off the job.
| Cost per Month | Cost per Year | Deductible | |
|---|---|---|---|
| General liability insurance | $43 | $516 | $0-$500 |
| Professional liability insurance | $60 | $720 | $1,000-$2,000 |
| Commercial property insurance | $62 | $744 | $1,000-$2,000 |
| Business owner’s policy | $72 | $864 | $1,500 |
| Commercial auto insurance | $60 | $720 | $500-$1,000 |
| Workers compensation insurance | $94 | $1,128 | $2,000-$5,000 |
The average driving instructor insurance cost is $43 per month or $516 per year for a $1 million general liability policy. Factors that affect the driving instructor insurance cost estimates are claims history, business history, policy limits, deductibles, number of employees, and location. See our driving instructor insurance comparison below, which shows the rates of the best companies for a $1 million general liability policy:
| Cost per Month | Cost per Year | Best for | |
|---|---|---|---|
| NEXT | $25 | $300 | Best overall; Fastest general liability insurance for driving instructors |
| The Hartford | $27 | $324 | Workers comp insurance for driving instructors |
| CoverWallet | $30 | $360 | Comparing driving instructor insurance quotes online |
| Tivly | $32 | $384 | Comparing driving instructor insurance quotes over the phone |
| Thimble | $36 | $432 | Short-term general liability insurance for driving instructors |
| Hiscox | $39 | $468 | Worldwide coverage for driving instructors |
| Allianz | $46 | $552 | Driving instructor expertise |
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We have reviewed the companies that will save you money through liability protections in their policy options. Read on to know their pros, cons, and average rate for a $1 million general liability policy.
Best overall
Issues an online proof of insurance instantly
Fastest general liability insurance for driving instructors
Great customer service and reputation
Excellent rates
Outstanding value for money
Get a 10% discount if you buy two or more policies
NEXT has policies that offer collision protection, rental reimbursement, and property damage for driving instructors. You can pick up a general liability policy, professional liability, commercial property insurance, and many more options. The company has an excellent premium price and a suite of policies you can build a good driving instructor policy around. Next has an A- rating with AM Best, a high mark for financial security. They also have high customer satisfaction, as evidenced by their Better Business Bureau rating of B+. NEXT’s driving instructor insurance price is $25 per month.
Best for: Best overall; Fastest general liability insurance for driving instructors
Average cost: $25 per month
Our rating: 10/10
Education industry-focused policies
Developed by a team of underwriting experts
Discounts and benefits for AARP members
Policies don’t cover every state
The Hartford has industry experience with educators and can develop a policy from which a driving instructor can benefit. They offer policies or your driving instructor's business like general liability, commercial property, and commercial auto. The Hartford has an A- rating from AM Best. They have over 200 years of experience in the insurance industry and write $11 billion in premiums annually.
Best for: Workers comp insurance for driving instructors
Average cost: $27 per month
Our rating: 10/10
Digital marketplace to make it easy to compare quotes
Specialized industry insurance
Helps you find cost-effective policies
Not an insurance company but an insurance broker
CoverWallet acts as your digital wallet to build the perfect driving instructor insurance policy. They have general liability, commercial auto, professional liability, business owner’s policy, and more options to construct an excellent policy. They let you easily compare quotes with different partners and have a BBB rating of A+ for their high customer reviews.
Best for: Comparing driving instructor insurance quotes online
Average cost: $30 per month
Our rating: 10/10
Connects you with the right insurance companies
Over 200 partners to choose from
Easy to customize and update insurance policies
Doesn’t write the policies
Tivly is one of the best driving instructor insurance brokers because they have over 200 partners to build your policies from. They offer critical policies like general liability, professional liability, and commercial property but also have specialized policy suggestions so you know what policy to get. Tivly has an A rating from the BBB and is experienced in the online and digital marketplace. Call now to compare quotes over the phone.
Best for: Comparing driving instructor insurance quotes over the phone
Average cost: $32 per month
Our rating: 10/10
Easy-to-use app
Lots of informative resources for first-time buyers
Lets you set your policy duration down to the month, day, and hour.
Online-only customer service experience
Thimble is an A+ rated insurance company from the Better Business Bureau. They offer general liability, professional liability, business owner’s policy, and professional liability policies that a driving instructor will need for their business. Thimbles Business owners policy includes unique options like business building and contents insurance, providing extra protection. Their app is straightforward and has received accolades from respected magazines like Forbes.
Best for: Short-term general liability insurance for driving instructors
Average cost: $36 per month
Our rating: 10/10
14-day refund policy
Customize insurance to risks specific to your business
User-friendly website and excellent customer experience
Buying multiple policies from Hiscox gets you a discount
Some policies don’t cover every state
Hiscox offers you personalized policies that their agents provide by working closely with you and analyzing your business needs. They have options for driving instructors like general liability, professional liability, business owner’s policy, and worker’s compensation. Hiscox earned an A rating from AM Best for its financial strength. They serve mainly small businesses that comprise most of their client base.
Best for: Worldwide coverage for driving instructors
Average cost: $39 per month
Our rating: 10/10
Informative resources
Budget-friendly insurance
Pupil personal accident with 24/7 coverage
Lacks some options compared to others
Allianz driving instructor insurance is an insurer that has experience in the school and education industry. They offer a pupil personal accident policy that helps you get 24/7 attention to the claims of your driving instructor pupils. They offer policies like niche insurance that can cover you when other policy products may not. Allianz has an A+ rating from the BBB and an impressive A+ rating from AM Best.
Best for: Driving instructor expertise
Average cost: $46 per month
Our rating: 10/10
1 / 5
Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
1 / 5
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
1 / 5
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
5 / 5
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
5 / 5
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
Not all those who wander are lost.
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