For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!
Concentrated tutoring sessions are highly effective. This is why some parents find private tutors to reinforce their child's learning and have consulting sessions on the best practices to improve performance at school.
There are over 170,000 tutors working in the US. As a home or private tutor, you will want to financially protect yourself in the case of liabilities, damages, and threats from other perils while on the job. The best way to do this is to build an adequate private tutor insurance policy. Throughout this article, you will learn about tutor insuranceÂ
Laws in the United States do not typically require that private tutors get insurance. However, it is still an important safety precaution you will want to take. Some of the insurance needed for tutoring business are general liability, business owner’s policy, commercial property, and workers compensation insurance.Â
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $300,000/$1,000,000 | $1,000,000/$2,000,000 |
| Aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 | $1,000,000/$2,000,000 |
| Products and completed operations aggregate limit | $2,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Advertising injury coverage aggregate limit | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Tenant’s legal liability coverage limit | $100,000 | $100,000 | $5,000 | $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 | Excluded | Can be included | Can be included |
| Equipment breakdown floater included? | No | Yes | Yes | Can be included | Can be included |
Private tutor insurance with general liability coverage will protect your business from injury and property damage claims from third parties. General liability insurance can help in the following situations:
While tutoring at a client's home, you cause damage to a piece of furniture
A client who visits you at your business property trips over something and sustains an injury
If you want additional coverage, you can customize your private tutor insurance policy further with add-ons like:
Participant accident insurance–Protection for students and other clients you tutor with medical benefits and accidental death coverage.
Tools and equipment insurance–Covers your study tools and other equipment if they are damaged or stolen
Your general liability insurance policy will typically see a coverage limit of $1 million in occurrence and $2 million aggregate. Aggregate means that this is the maximum payout for this policy over its lifetime.Â
Note that companies offering self employed tutor insurance offer general liability coverage as a short-term policy that lasts for days or weeks only. Nonetheless, the coverage limits are the same.Â
Public liability insurance for tutors is a policy that is focused on claims from the general public. Unlike general liability, the scope of the coverage is more narrow. Generally, if you can afford it, you will want to stick with a general liability policy because of the greater coverage it offers.
| 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 |
Professional liability insurance for tutors is a policy that protects your business from mistakes made over the course of its operations. Examples of situations where professional liability insurance is helpful are when:
You make a scheduling error that causes you to be unable to perform a service, causing a student to fail an important test
You give inaccurate tutoring advice to a client, which causes them problems and eventually leads to a lawsuit
Professional indemnity insurance for private tutors is another name for professional liability insurance.Â
Umbrella policy–This add-on to professional indemnity insurance for tutors lets you extend your coverage beyond the typical coverage limit for your policy
Extended reporting period–This allows you to maintain protection even if your policy expires. You can report claims with an extended time limit that arise from prior wrongful acts
Your coverage limit for professional liability will typically be around $1 million in coverage. These limits are determined by which company provides the coverage and the details of your policy.
Yes, even lawsuits without merit, like frivolous lawsuits, can still get coverage. Even if you never make it to court to defend yourself, professional liability can help cover any legal expenses from the lawsuit.
No, if you think you will need it in the future, it is best to buy it as soon as possible. For claims-made professional liability policies, you only get coverage if your policy is active when the incident and lawsuit happen. You will want to avoid lapses in coverage whenever possible.
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| CoverWallet | NEXT (Best) | Thimble | The Hartford | Hiscox | |
|---|---|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $330,000 | $25,000/$500,000 | $60,000 | $25,000 |
| Contents coverage limit (minimum) | $50,000 | $35,000 | $25,000/$500,000 | $60,000 | $15,000 |
| Outdoor signs | Excluded | $2,500 | Excluded | Excluded | Included |
| Accounts receivable | Excluded | Excluded | $5,000/$10,000 | Excluded | Included |
| Money and securities | Excluded | $2,500 | $1,000 | Excluded | Included |
| Lock and keys | Excluded | $2,500 | Excluded | Excluded | Included |
| Business interruption floater | Excluded | Included | Included | Excluded | Included |
| Equipment breakdown floater | Excluded | Included | Excluded | Excluded | Included |
| Inland marine insurance floater | Excluded | Excluded | $10,000 | Excluded | Excluded |
| Employee dishonesty floater | Excluded | $5,000 | $2,500 | Excluded | Excluded |
Insurance for tutoring business would benefit from a commercial property policy. This protects your business premises and business property from physical perils and theft. Example situations where this policy can help include:
Someone breaks into your business and vandalizes your property
A fire causes damage to your property that needs to be repaired for your business to function
Earthquake insurance–Many insurance policies today do not offer earthquake insurance by default. This policy will cover you from mudslides, landslides, and damage from the earth’s movement
Flood insurance–Protects your property from rising and receding flood water damage
On average, a commercial property policy will offer $60,000 in protection. This number will change based on the value of your business property.
No, you will often need a separate policy to cover business assets and liabilities as well. Business personal property insurance can help you get business coverage for your property while at home. Commercial property insurance is a good choice because this policy is typically automatically included in it.
No, typically, business property insurance has a radius around the insured property that protection will apply to. You must purchase additional policies to get protection outside of this distance radius.
