Tutor Insurance

A comprehensive policy for your tutoring business should cover the risks you are most likely to face. Here are the most common policies that are included in a tutoring insurance policy.

• Professional Liability Insurance: Also known as errors and omissions insurance, professional liability insurance protects tutors against lawsuits alleging negligence, misconduct, and failure to deliver a service as promised. If you’re responsible for educating your client and they’re unsatisfied with your service, they can sue you. For example, say you’re preparing a student to take an important exam – you’re confident they’ll pass. Unfortunately, they fail and complain that hardly anything you taught them was in the exam. Their parents allege you didn’t keep up-to-date with the curriculum, which they believe is directly related to their child’s failed grade. This coverage could cover you for legal fees and other related costs.

• Commercial General Liability (CGL) Insurance: For day-to-day common incidents where you’re found to be liable for bodily injury or third-party property damage, CGL is the policy that’ll most likely have you covered. Suppose you’re meeting with a prospective student for the first time and they hit their head on a low beam in your office space. Their guardian sues you for the costs of their medical bills. In this scenario, CGL could cover the related medical bills.

• Cyber Liability Insurance: Cyber liability insurance is essential to protect your company against the implications of cybercrime, covering the costs associated with cyber-attacks, such as loss of income, notification costs, or data infrastructure repair. If you store confidential client data (think financial information or personal addresses, for example), you’re responsible for safeguarding this data. For example, your clients’ email addresses and personal details are stolen from your hard drive due to a cyber-attack. In this case, cyber liability insurance can cover the cost of recovering the files and informing your clients of the security breach.

• Legal Expense Insurance: Under specific circumstances, you’re covered for legal expenses under other insurance policies. For certain situations that occur outside of those circumstances (such as personal property damage or employee injury), you can be covered with legal expense insurance. Legal expense insurance provides your organization with access to legal advice and the funds to retain a lawyer.