Tutor Insurance for Private Business: Quotes From $25/mo

Table of contents

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 insurance 

Do Tutors Need Insurance?

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. 


General Liability Insurance for Home and Private Tutors

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

Add-Ons of General Liability Insurance for Home and Private Tutors

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

Coverage Limits of General Liability Insurance for Home and Private Tutors

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. 

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. 


Is General Liability Insurance Different From Public Liability Insurance?

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.


Professional Liability Insurance for Home and Private Tutors

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

What is Professional Indemnity Insurance?

Professional indemnity insurance for private tutors is another name for professional liability insurance. 


Add-Ons of Professional Liability Insurance for Home and Private Tutors

  • 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

Coverage Limits of Professional Liability Insurance for Home and Private Tutors

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.


Does Professional Liability Insurance Cover Even Frivolous Lawsuits?

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.


Should I Wait to Buy Professional Liability Insurance?

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.

Compare Cheap Tutor Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Commercial Property Insurance for Home and Private Tutors

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

Add-Ons of Commercial Property Insurance for Home and Private Tutors

  • 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

Coverage Limits of Commercial Property Insurance for Home and Private Tutors

On average, a commercial property policy will offer $60,000 in protection. This number will change based on the value of your business property.


If I Have a Home Business, is My Business Owner’s Policy Enough?

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.


Is My Business Property Protected Everywhere?

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.


A family using a laptop at home.


Business Owner’s Policy for Home and Private Tutors

CoverWallet NEXT (Best) Thimble  The Hartford Hiscox
General liability aggregate limit  $2,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000 $300,000/$2,000,000
Commercial property coverage limit  $50,000 $330,000 $25,000/$500,000 $75,000 $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


Home tutor insurance that is built with a business owner’s policy can be an excellent way to get the coverage you need in one simple policy. A BOP combines general liability and commercial property insurance. Here are some situations where this policy can help:

  • While tutoring a student, you knock over an expensive vase

  • A client slips and falls while on the premises of your business

  • A windstorm causes property damage to your commercial property

Add-Ons of Business Owner’s Policy for Home and Private Tutors

  • Business interruption–Provides protection for the more abstract parts of physical damage to your property. You get help with lost income, loan payments, relocation costs, and employee wages

  • Cyber liability–This policy can protect your business from the risks of data breaches. It includes the costs to get data back, updating your customers on data loss, and potential lawsuits

Coverage Limits of Business Owner’s Policy for Home and Private Tutors

Business owner’s property will have between $1 million and $2 million in general liability coverage. On the other hand, commercial property coverage will be calculated based on your business property’s value.


What Does Business Owner’s Policy Not Cover?

Business owner’s policies will not have default protections like professional liability, auto insurance, and workers’ compensation policies do.


Tools and Equipment Insurance for Home and Private Tutors

NEXT  Thimble Hiscox The Hartford
Aggregate limit $3,000/$10,000 $2,500/$5,000 $15,000/$25,000 $5,000-$10,000
Covers hired and borrowed equipment? $3,000/$10,000 $2,500/$5,000 No Yes
Miscellaneous equipment also covered? $5,000/$10,000 No Yes Yes
Offered as an endorsement to general liability insurance? Yes Yes Yes Yes
Deductible $500 $500 $0 $0


You might benefit from tools and equipment insurance. This policy protects your tools and equipment from physical damage and theft even when off your premises. Here are some situations where this policy can help:

  • A thief steals the laptop you brought with you to tutor a student

  • Your business equipment gets damaged from an out-of-control fire

Coverage Limits of Tools and Equipment Insurance for Home and Private Tutors

The coverage limits for this policy will range from $5,000 to $50,000. Typically this coverage limit will be on the lower end of this spectrum. The limit varies based on what you need insured and which insurance company you use.


Can Tools and Equipment Insurance Cover Leased or Rented Equipment?

Hired or rented equipment might be excluded from the policy. 


Commercial Auto Insurance for Home and Private Tutors

It is an excellent idea to have your private tutoring business insurance include a commercial auto policy. This covers vehicles that you use for your tutoring business in situations like:

  • While driving to a tutoring job, you get into a car accident

  • Your car gets stolen while it is parked outside your commercial property

Commercial auto insurance has several components, which include:

  • Collision–Provides damage protection for your vehicle for accident collisions on the road

  • Comprehensive–Acts as a complement to collision coverage by covering many other types of physical damage. You get protection from things like fire, theft, and vandalism

  • Auto liability–This is liability protection for third-party injuries and property damage resulting from your business vehicle, usually when you cause an accident

  • Medical payments–This covers any medical expenses you need to pay up to a specified coverage amount. It is an excellent component because it provides benefits regardless of who is found at fault for an accident

Do Self-Employed Tutors Need Commercial Auto?

Every state requires that you get some sort of coverage for vehicles on the road, whether you are self-employed or not. You can use a personal auto policy, but this may not cover you for business uses of your vehicle.


Coverage Limits of Commercial Auto Insurance for Home and Private Tutors

A typical coverage limit for commercial auto will be $25,000-$500,000. This limit will vary based on your coverage needs and the price of your policy.


Add-Ons of Commercial Auto Insurance for Home and Private Tutors

Some add-ons for commercial auto insurance include:

  • Roadside assistance–This helps you pay for things like towing costs, tire changes, and battery jumpstarts if your car breaks down on the side of the road

  • Rental cost—If you need to rent a temporary vehicle while your business vehicle is in the repair shop, this add-on can help reimburse you for the cost

Workers’ Compensation Insurance for Home and Private Tutors

Workers’ compensation insurance is a policy that benefits workers when they get injured or sick from their job. Examples of situations where workers compensation insurance can help are as follows:

  • One of your tutors slips and falls while helping a student with their finance class homework

  • One of your employees develops a chronic back condition from sitting at their desk often while tutoring

Does Workers Comp Cover an Employee if They Are Intoxicated?

Generally no. If someone shows up to work intoxicated and gets injured as a result, they will not be covered. Also, actions that are clearly risky and intentional, like the employee harming themselves on purpose, are not covered.

Rank and Review Insurance Companies

Help others make better decisions

Show more

Tutor  Insurance Cost

Cost per Month Cost per Year Deductible
General liability insurance $38 $456 $0-$500
Professional liability insurance $41 $492 $500-$1,000
Commercial property insurance $63 $756 $1,000-$2,000
Business owner’s policy $101 $1,212 $1,500
Tools and equipment insurance $46 $552 $500-$1,000
Commercial auto insurance $55 $660 $500-$1,000
Workers compensation insurance $76 $912 $2,500-$5,000


General liability insurance for tutoring business is $38 per month or $456 per year for a $1 million worth of coverage. Factors that affect the cost of premiums are claims history, business history, revenues, policy limits, deductibles, and location. Here’s a table showing the cost of a $1 million general liability insurance from companies we recommend:

Cost per Month Cost per Year Best for
NEXT $17 $204 Best overall; Fastest general liability insurance for tutors
The Hartford $21 $252 Flexible tutor insurance
CoverWallet $24 $288 Comparing tutor insurance quotes online
Tivly $26 $312 Comparing tutor insurance quotes over the phone
Thimble $30 $360 Tutor insurance on-demand
Hiscox $36 $432 Professional liability insurance for tutors

Compare Cheap Tutor Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Best Tutor Insurance Companies

Here are some of the companies you might want to work with. Read some of the reviews below to know their pros, cons, and average cost for a $1 million general liability insurance. 


NEXT Tutor Insurance

Pros

  • Best overall

  • Issues an online proof of insurance instantly

  • Fastest general liability insurance for tutors

  • Great customer service and reputation

  • Excellent rates

  • Outstanding value for money

  • Get a 10% discount if you buy two or more policies 

Cons

  • Couldn’t find any

NEXT is a digital insurance company that helps you build the perfect private tutor policy. They have options like general liability, professional liability, commercial property, tools and equipment insurance, and more. The company was founded in 2016 but has already managed to secure an A- rating for financial security with AM Best. They also have a B+ rating with the Better Business Bureau.

Best for: Best overall; Fastest general liability insurance for tutors 

Average cost: $17 per month

Our rating: 10/10


The Hartford Tutor Insurance

Pros

  • Over 30 years focused on small businesses

  • 1 million small business customers

  • Renowned company for workers compensation insurance

Cons

  • Limited add-ons

The Hartford is a long-standing insurance provider with over 200 years of experience. They help you build a private tutor policy with components like general liability, professional liability, business owner’s policy, and commercial auto insurance. The company’s direct premiums exceeded $11 billion in 2022, and they have an A- AM Best rating.

Best for: Flexible tutor insurance

Average cost: $21 per month 

Our rating: 10/10 


CoverWallet Tutor Insurance

Pros

  • Online resources for first-time buyers

  • Compare quotes quickly online

  • HNOA coverage automatically included in general liability insurance

Cons

  • Not an insurance company but an insurance broker

CoverWallet is a digital platform that helps you keep track of insurance policies, claims, and quotes through an easy-to-use online dashboard. They offer essential components of tutor insurance like commercial property, business owner’s policy, commercial, auto, and general liability. CoverWallet has an A+ rating from the BBB and offers a good selection of different insurance partners.

Best for: Comparing tutor insurance quotes online 

Average cost: $24 per month 

Our rating: 10/10 


Tivly Tutor Insurance

Pros

  • Nice selection of online resources

  • Connects with you on the phone and helps you get started

  • A partner of many reputable insurance companies 

Cons

  • You need to call to get a quote

Tivly boasts a fast phone answer rate and a selection of over 200 partners that offer many essential policies you will need for private tutor insurance. You will find everything from general liability to workers comp and everything in between. Tivly takes a solutions-oriented approach to match you with the right company and policy and takes the headache out of deciding which policy is best. Tivly has an A rating with the BBB. Call now to compare quotes over the phone. 

Best for: Comparing tutor insurance quotes over the phone 

Average cost: $26 per month 

Our rating: 10/10


Thimble Tutor Insurance

Pros

  • Get covered in 60 seconds

  • Choose between using an app or the website

  • Numerous add-ons to general liability insurance

Cons

  • You can’t reach customer service by calling 

Thimble offers great policy options for tutors that need insurance. They highlight their general liability and professional liability policies that help you face the obstacles to your tutor business. They specialize in getting you a policy quickly to get protection when needed. Thimble has an A+ rating from the Better Business Bureau.

Best for: Tutor insurance on-demand

Average cost: $30 per month 

Our rating: 10/10 


Hiscox Tutor Insurance

Pros

  • Convenient quoting platform

  • Customize the policy the way you want

  • Automatic policy renewal

Cons

  • No Alaska coverage

Hiscox is a small business-oriented insurance company that serves the needs of over 500,00 customers. They offer what you need to get your private tutor business protected. One of their standout features is the professional liability insurance for tutors, which can also help you defend against claims of negligence from any services you rendered in the past. Hiscox has a solid financial rating of A from AM Best which helps it maintain its reputation as an excellent international insurer with good brand strength.

Best for: Professional liability insurance for tutors

Average cost: $36 per month 

Our rating: 10/10

Recent Reviews

Recent Posts


Additional Business Insurance posts