Tutor and Tutoring Insurance

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Why do tutors need insurance?

As a tutor, you're tasked with preparing students for the SAT, Advanced Placement (AP) exams, and other tests that can determine a student's future. Your clients have high expectations, and might sue over disappointing results. Business insurance can help pay for legal expenses, medical bills, and other unexpected costs that could devastate a small tutoring company.

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One application, multiple quotes

Insureon helps home tutors and tutoring businesses compare small business insurance quotes from top U.S. carriers online.

Get several quotes with one easy application.

What types of insurance do tutors need?

These business insurance policies cover the most common risks of tutoring.

Business owner’s policy icon

Business owner’s policy

A business owner's policy, or BOP, is an affordable way for a small tutoring business to purchase commercial property insurance and general liability coverage together.

  • Customer injuries
  • Damaged customer property
  • Stolen or damaged business property
General liability insurance icon

General liability insurance

This policy covers basic third-party risks, such as accidentally dropping a student’s laptop during a tutoring session. It’s often required for a commercial lease.

  • Slip-and-fall accidents
  • Third-party property damage
  • Libel and slander lawsuits
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Professional liability insurance

This policy helps cover legal costs if a tutor is sued for negligence, mistakes, or oversights. It's sometimes referred to as errors and omissions insurance (E&O).

  • Lawsuits over student performance
  • Failure to deliver promised results
  • Tutoring mistakes or oversights
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for tutoring businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Disability benefits
  • Legal fees from employee injuries
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Commercial auto insurance

Commercial auto insurance covers financial losses when a tutor's vehicle is involved in an accident. Each state has its own auto liability insurance requirements.

  • Property damage caused by your vehicle
  • Bodily injuries from an auto accident
  • Vehicle theft and vandalism
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Cyber insurance

A cyber liability policy helps professional tutors recover from data breaches and cyberattacks. It's recommended for any business that handles credit card numbers or other personal information.

  • Customer notification costs
  • Data breach investigations
  • Fraud monitoring services
Looking for different coverage? See more policies.

How much does insurance cost for professional service businesses?

Professional service business owner calculating the cost of insurance.

A private tutor who works independently will pay less for insurance than a larger business.

Factors that affect premiums include:

  • Professional services offered
  • Business equipment and property
  • Business income
  • Types of insurance purchased
  • Policy limits and deductibles
View Costs

How do I get private tutor insurance?

It's easy to get tutoring insurance policies if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your tutoring services, whether you work independently or hire employees.

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