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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:
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:
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:
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:
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.
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.
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:
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:
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:
Driving instructor car insurance is generally made up of several different policy options, which are outlined below:
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.
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 |
Suppose you are looking for a driving instructor insurance online quote. Click the “Get Quotes” button on this page to start.
Get all the best quotes from leading providers in a click of a button!
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.
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
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
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
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
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
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
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
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Disclosure: Insuranks.com is an independent educational comparison service and an advertising-supported publisher. Some of the companies/offers that appear on the website are from our partners which we may receive compensation from. This may influence which companies/offers we write about and where and how it appears on the site. However, this does not impact our assessments. We solely highlight companies, products, and offers that can help you make smarter insurance decisions.
