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Educators

Free resources to support and inspire your teaching. Find printables, templates, career and business development help, and tips for navigating coverage — all created by teachers and tutors, licensed insurance agents, and small business specialists from Insurance Canopy.

Confident teacher in front of illustrated arms flexing on a chalkboard

Do Teachers Need Liability Insurance? [8 Reasons to Buy Your Own]

Most teachers should carry their own professional liability (errors & omissions) and general liability coverage, even if their district, school, or union provides some protection. Institutional policies may not cover […]

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Recent Articles

A teacher in a blue shirt and white pants leans against a desk and smiles at the camera in front of her classroom full of elementary school students.

What Does Teacher Liability Insurance Cover? The 101 on This Essential Coverage

Teaching can be an endlessly rewarding career, but it’s not without risk. The good news...

Home music teacher explains a concept to a high school student while playing on a keyboard.

Insurance for Music Teachers: How to Protect Private Lessons, Music Classes, & More

You inspire students and build lifelong skills and interests, but that influence comes with significant...

A teacher with short gray hair and a pink cardigan stands in front of a classroom full of students, some of whom have their hands raised.

What School Insurance Doesn’t Cover (& Why You Should Get Your Own)

Many teachers, tutors, and coaches think that because their school is insured, they’ll be covered...

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Risk Management for Teachers: Protecting Yourself Beyond Your School’s Policy

Risk management for teachers combines...

New Teacher Checklist: Legal, Financial, and Classroom Essentials

On my first day as...

Do Teachers Need Liability Insurance? [8 Reasons to Buy Your Own]

Most teachers should carry their...

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    Exclusions

    This policy is not designed to cover:

    • Industrial control engineers
    • Defense contractors
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    •  Heavy equipment integrators

     

    Not available if you manage or control systems involving:

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    • Fire suppression or explosives
    • Hazardous materials
    • Radiation or pharmaceuticals
    • Water supply or waste management
    • Energy, fuel, mining, construction
    • Environmental systems
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    • Watercraft, trains, automobiles, motorcycles
    • If you build firmware or embedded software controlling industrial physical equipment.
    • If you support:
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    • National defense
    • Homeland security
    • Law enforcement
    • Weapons
    • Anti-terrorism
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    • Surveillance
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    • Emergency response
    • Physical security systems
    • If more than 25% of your revenue comes from:
      • Federal government work
      • Military or defense operations
    • If more than 50% of your revenue comes from:
    • Equipment installation
    • Maintenance
    • Physical service work



    Restricted if you work in:

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    • For-rent-by-owner platforms
    • Help-for-hire platforms
    • Delivery services
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    • GPS systems
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    • Violence-related content
    • Alcohol, marijuana, CBD
    • Tobacco / nicotine / e-cigarettes
    • Flammable or electrical products
    • Food-related services

    Our licensed, U.S.-based agents are here for you from 8 a.m. to 8 p.m. Eastern, Monday through Friday, so they can enjoy evenings and weekends with the people who matter most.