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
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.
|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|
|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.
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.
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|
|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|
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.
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.
Get all the best quotes from leading providers in a click of a button!
|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|
|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.
|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|
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
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
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.
Business owner’s policies will not have default protections like professional liability, auto insurance, and workers' compensation policies do.
|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|
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
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.
Hired or rented equipment might be excluded from the policy.
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
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.
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.
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 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
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.
|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|
Get all the best quotes from leading providers in a click of a button!
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.
Issues an online proof of insurance instantly
Fastest general liability insurance for tutors
Great customer service and reputation
Outstanding value for money
Get a 10% discount if you buy two or more policies
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
Over 30 years focused on small businesses
1 million small business customers
Renowned company for workers compensation insurance
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
Online resources for first-time buyers
Compare quotes quickly online
HNOA coverage automatically included in general liability insurance
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
Nice selection of online resources
Connects with you on the phone and helps you get started
A partner of many reputable insurance companies
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
Get covered in 60 seconds
Choose between using an app or the website
Numerous add-ons to general liability insurance
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
Convenient quoting platform
Customize the policy the way you want
Automatic policy renewal
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
Lonnie Bell Insuranker
Policy Type: Business Insurance
Company name: Employers Insurance
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.
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
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.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
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!