Insuranks
Insuranks

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

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

Speak with a representative Speak with a representative +1-8669293479
Table of contents
1. Do Tutors Need Insurance?2. General Liability Insurance for Home and Private Tutors2.1. Add-Ons of General Liability Insurance for Home and Private Tutors2.2. Coverage Limits of General Liability Insurance for Home and Private Tutors2.3. Is General Liability Insurance Different From Public Liability Insurance?3. Professional Liability Insurance for Home and Private Tutors3.1. What is Professional Indemnity Insurance?3.2. Add-Ons of Professional Liability Insurance for Home and Private Tutors3.3. Coverage Limits of Professional Liability Insurance for Home and Private Tutors3.4. Does Professional Liability Insurance Cover Even Frivolous Lawsuits?3.5. Should I Wait to Buy Professional Liability Insurance?4. Commercial Property Insurance for Home and Private Tutors4.1. Add-Ons of Commercial Property Insurance for Home and Private Tutors4.2. Coverage Limits of Commercial Property Insurance for Home and Private Tutors4.3. If I Have a Home Business, is My Business Owner’s Policy Enough?4.4. Is My Business Property Protected Everywhere?5. Business Owner’s Policy for Home and Private Tutors5.1. Add-Ons of Business Owner’s Policy for Home and Private Tutors5.2. Coverage Limits of Business Owner’s Policy for Home and Private Tutors5.3. What Does Business Owner’s Policy Not Cover?6. Tools and Equipment Insurance for Home and Private Tutors6.1. Coverage Limits of Tools and Equipment Insurance for Home and Private Tutors6.2. Can Tools and Equipment Insurance Cover Leased or Rented Equipment?7. Commercial Auto Insurance for Home and Private Tutors7.1. Do Self-Employed Tutors Need Commercial Auto?7.2. Coverage Limits of Commercial Auto Insurance for Home and Private Tutors7.3. Add-Ons of Commercial Auto Insurance for Home and Private Tutors8. Workers’ Compensation Insurance for Home and Private Tutors8.1. Does Workers Comp Cover an Employee if They Are Intoxicated?9. Tutor  Insurance Cost10. Best Tutor Insurance Companies10.1. NEXT Tutor Insurance 10.1.1. Pros10.1.2. Cons10.2. The Hartford Tutor Insurance 10.2.1. Pros10.2.2. Cons10.3. CoverWallet Tutor Insurance 10.3.1. Pros10.3.2. Cons10.4. Tivly Tutor Insurance 10.4.1. Pros10.4.2. Cons10.5. Thimble Tutor Insurance 10.5.1. Pros10.5.2. Cons10.6. Hiscox Tutor Insurance 10.6.1. Pros10.6.2. Cons

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 HiscoxThe 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?YesNoIncludedCan be includedNo
Hired/non-owned auto liability coverage included?YesNoExcludedCan be includedCan be included
Equipment breakdown floater included?No YesYesCan be includedCan 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 NEXTThimble (Best)HiscoxThe 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?YesYesYesYesYes
Waiver of subrogation included?YesNoYesCan be includedNo
HIPAA coverage included?NoNoNoNoNo
Sexual misconduct coverage included?NoNoNoNoCan be included
License defense coverage included?NoNoNoNoCan 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


CoverWalletNEXT (Best)ThimbleThe HartfordHiscox
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 signsExcluded$2,500ExcludedExcludedIncluded
Accounts receivable ExcludedExcluded$5,000/$10,000ExcludedIncluded
Money and securitiesExcluded$2,500$1,000ExcludedIncluded
Lock and keys Excluded$2,500ExcludedExcludedIncluded
Business interruption floaterExcludedIncludedIncludedExcludedIncluded
Equipment breakdown floaterExcludedIncludedExcludedExcludedIncluded
Inland marine insurance floaterExcludedExcluded$10,000ExcludedExcluded
Employee dishonesty floaterExcluded$5,000$2,500ExcludedExcluded


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.