Tutor Insurance
Tutor Insurance is a must for Canadian tutoring businesses or private tutors who provide educational development services to clients.
If a client is unsatisfied with the level of services provided, they could file a lawsuit alleging malpractice or negligence.
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What is Tutor Insurance?
Tutor insurance is a specialized liability insurance policy package that is designed for private tutors offering protection against lawsuits stemming from alleged errors, bodily injuries, or property damages.
Whether you provide services on-site, online, or in an office, having the right insurance for your tutoring business is the basis of your risk management program.
What does Tutor Insurance cover?
The most common policy types for tutor businesses are:
- Errors and Omissions Insurance, which covers costs associated with allegations of negligence, misconduct, or failure to deliver a service as promised.
- Commercial General Liability Insurance, which covers costs associated with liability claims, such as client injuries or property damage.
- Cyber Liability Insurance, is critical for tutor professionals providing online services and storing client information. This policy provides financial protection against network security and privacy issues, such as a data breach.
Do tutors need insurance?
Regardless of the subject or grade being taught, if you provide professional tutoring services, you should consider tutor insurance.
Some specific tutoring professionals we cover are:
- Tutoring Company
- Private Tutors
- Home Tutors
- Online Tutors
- ESL Tutors
- Academic Coach
- Many more…
What is the cost of Tutor Insurance?
The cost of tutor insurance starts at $300 annually but can increase depending on different factors such as:
- Operation size
- Location
- Experience in the field
- Past insurance claims
- Training and education
Getting insured is quick and easy!
If tutor insurance is what you need, request a free quote now
Common scenarios where Tutor Insurance is useful
Problem: You’re tutoring math at a client’s home to help prep for their upcoming exam, and while having covered the topic sufficiently the student still ends up failing their test.
Outcome: The dissatisfied client later sues you claiming negligence for providing inadequate services. Errors and Omissions insurance will cover lawsuits from claims alleging this type of negligence.
Problem: After an English tutoring session, the client leaving your building falls down the stairs and ends up twisting their knee.
Outcome: Since the incident occurred on business premises, the client can sue holding you liable for their injuries. Your Commercial General Liability Insurance covers the legal fees and medical expenses, totaling $52,000.
Problem: A private tutor providing online tutoring collects personal information from clients in order to track progress. Their computer system gets hacked by a cybercriminal in which personal information is held for ransom.
Outcome: Their Cyber Insurance policy covers the cost to notify clients and subsequent legal expenses, totaling $225,000.
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