Tutor Insurance
Affordable liability insurance for tutors and private teachers of all subjects
- Covered Wherever You Tutor
- Customize Your Policy With the Coverage You Need
- Choose Between Annual and Monthly Payments
- Manage Your Policy Online 24/7
- Instant Certificate of Insurance (COI)
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Affordable Insurance for Tutoring Businesses
Protect your tutoring business with Insurance Canopy’s A+ rated affordable liability insurance, trusted by tutors and private teachers nationwide. Get comprehensive general and professional liability coverage to shield you from common risks so you can stay focused on what you do best — teaching!
Tutor Liability Insurance Coverage
Coverage types and limits included in liability insurance for tutors:
The most your policy will pay for bodily injury and property damage claims occurring in the policies term that you become legally obligated to pay due to your business services.
$2,000,000
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover your products that are sold or distributed.
$1,000,000
The amount that your policy will pay for claims arising out of one or more of the following offenses:
– False Arrest, detention or imprisonment
– Malicious prosecution
– Wrongful Eviction or Wrongful Entry
– Oral or written publications that slander or libels a person or organization
– Oral or written publication or material that violates a person’s right of privacy
– The use of another’s advertising idea in your advertisement
Included
The maximum amount paid per incident during the term of the policy.
$1,000,000
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$300,000
Included
Optional Add-Ons
Financial coverage if you experience false allegations of sexual abuse, molestation, or misconduct.
$300,000
$500,000 or $1,000,000
What Is Tutor Insurance?
Tutor insurance is general liability coverage tailored for a wide variety of tutoring professionals, including:
- Private tutors and teachers
- 1099 employees
- Substitute teachers
- Standardized test tutors (SAT, ACT, etc.)
- Foreign or second language tutors
- Subject tutors (math, science, music, etc.)
It’s a series of coverages designed to provide protection from third-party bodily injury and property damage claims.
Insurance Canopy’s base policy also includes professional liability (aka errors and omissions), products-completed operations, personal and advertising injury, and damage to premises rented. This means you get several essential coverages you need to protect your tutoring business without having to juggle multiple separate policies.
What Is Language Tutor Insurance?
Language tutor insurance is designed to protect language tutors and teachers. It covers risks and liabilities that may arise during instruction or tutoring services, protecting against financial losses, legal expenses, accidents, and property damage. It is essential for language tutors to have this insurance for peace of mind and uninterrupted work.
Why Do Tutors and Private Teachers Need Liability Insurance?
Tutors need insurance because there are several types of claims that can financially drain your business without tutoring insurance:
- While bringing your materials into a rented workspace, you trip on something and crash into a door, leaving a gaping hole. The landlord sues you for the cost of replacing it. General liability can cover this claim.
- You’re tutoring a student for the SAT test, and they fail, and accuse you of using the wrong prep materials. This type of claim can be covered by products-completed operations coverage.
- Someone sues you, claiming you didn’t deliver on your promises, so they ended up with a bad score on an exam or test, and sue you for false advertising. Personal and advertising injury coverage can come into play here.
Whether you tutor online or in person, you face risks as part of your profession. Educator insurance is a must for private tutors and teachers because it acts as a safety net for unexpected risks that may come your way.
What Types of Insurance Do Tutors Need?
Insurance isn’t one-size-fits-all, which can make it confusing. To simplify things, Insurance Canopy bundles several essential coverage types into an affordable policy for tutors:
- General Liability
- Professional Liability (aka Errors and Omissions)
- Products-Completed Operations
- Damage to Premises Rented to You (Fire Legal Liability)
- Personal and Advertising Injury
Optional add-on coverages include:
- Cyber Liability (Data Breach Insurance)
- Tools and Equipment Coverage (Inland Marine)
- Unlimited Additional Insureds
- Sexual Abuse and Molestation (SAM) Liability
- Workers Compensation
- Higher limits for General and Professional Liability ($1M per occurrence / $3M aggregate)
How Much Is Tutor Liability Insurance?
Insurance for tutoring businesses starts at $21.08 per month or $229 per year. Compare this to paying hundreds or thousands of dollars in claims or legal fees, and it’s easy to see just how affordable it is.
Tutor insurance is worth it for that priceless peace of mind, allowing you to focus on helping students improve in their most challenging subjects or prep for major tests. Learn more about tutor insurance cost.
What’s Covered in Tutor Insurance?
Below are coverages that are either included in or available to tutors and private teachers as add-ons when you purchase a policy from Insurance Canopy.
General Liability Coverage
Protect yourself from the cost of third-party injury and property damage claims with general liability insurance.
Imagine one of your students tripping and bumping their head against your desk, sustaining a cut on their forehead that requires stitches. They could decide to sue you to pay for their medical bills.
With general liability coverage, your out-of-pocket cost on these claims could be partly or fully covered.
Professional Liability Coverage (aka Errors and Omissions)
Protect yourself from the cost of claims that result from the advice and coaching you give as part of your tutoring business.
It can protect you from expensive claims, such as a client who claims you gave them the wrong advice for passing an AP college exam and they fail. They want to sue you for damages.
Luckily, this insurance can cover legal or settlement fees instead of paying for this out of pocket.
Products-Completed Operations Coverage
Products-completed operations coverage can protect you when someone is not satisfied with your products or services.
For example, you could give great advice on how to pass a math exam, but the student said your tutoring didn’t cover the right topics and they got a bad score so they decided to sue.
Cyber Liability Coverage (Optional)
Cyber crimes and data breaches are unfortunately becoming more and more frequent and can happen to any business.
A hacker could steal sensitive data from your computer or smartphone like client names, contact or payment info, birthdates, etc. Or you might unknowingly click on something, allowing malware to be installed on your machine.
Cyber liability coverage can cover attorney fees, the costs of resolving disputes with clients, data recovery fees, and more.
Damage to Premises Rented to You
If you rent a space for tutoring, you’ve covered for a broad range of damages that might occur during the first 7 days, such as:
- Accidentally damaging the floors while moving your furniture in
- Putting a nail through a pipe while hanging something on the wall
After the first 7 days, this coverage applies to rented premises damages if you accidentally cause a fire. For example, you light a candle, you leave for a quick bathroom break, and the candle falls over and starts a fire.
However, general liability can still cover claims of third-party damage to space you rent for work.
Personal and Advertising Injury
This coverage protects you against claims of slander, libel, false advertising, defamation, invasion of privacy, and more.
For example, you hear something about a competitor’s services and share it on social media, but it turns out to have been a rumor. The competitor can sue you for libel or slander.
Personal and advertising injury can cover legal and settlement costs so you don’t have to worry about draining your financial resources.
Equipment and Materials Coverage (Inland Marine; Optional)
As an educator, you invest in all types of gear to help you teach, from books and tablets to musical instruments. Equipment and materials coverage protects your investment.
Imagine you’re in the middle of a session and your student accidentally spills their glass of water all over your tablet. Now you’re looking at thousands of dollars to get a new tablet and missing out on other sessions while you wait on a new one.
Adding this coverage to your policy could provide you with financial assistance or completely cover the cost of replacing your equipment in a situation like this.
Additional Insureds
Additional insureds are third parties who require you to add them to your policy. Common examples include landlords, venues you rent or use for tutoring, schools that hire or allow you to tutor on-premises, and so on.
You can add unlimited additional insureds for free when filling out your online application or you can log into your dashboard and add additional insureds to your current policy.
Sexual Abuse & Molestation (SAM) Liability Coverage
You approach a student in your training seminar to review their work on a computer. You have to stand close to see the small type and accidentally brush their arm. The trainee misinterprets your proximity as an unwanted sexual advance and sues you.
When one false accusation or misunderstanding can have serious consequences for your career, the last thing you want to think about is how you’re going to pay for an expensive lawsuit. SAM liability insurance is designed to stand with you, covering costs like attorneys and court fees if you ever experience a false misconduct allegation.
Workers Compensation Insurance
If you have one employee or more (including part-timers, seasonal help, and interns), most states require you to have workers comp insurance. This covers expenses like medical bills, lost wages, and funeral costs if an employee gets injured or sick due to work.
Insurance Canopy offers comprehensive workers comp coverage to keep your business compliant and your employees protected.
Insurance Can Save You Thousands
When an honest mistake becomes a financial burden, liability insurance can save the day. With the right coverage for your business, you’ll have a safety net to fall back on. That peace of mind is priceless.
Client slips on a wet floor in your home, breaks their wrist, and sues you. $50,000
Miscommunication during a test prep leads to a failed score. $3,000
You knock over an expensive vase during a tutoring session at the home of one of your students. $10,000
Get covered instantly.
Student says you gave them false information for a test, causing unsatisfactory results. $5,000
Teacher fired an employee who sued them for wrongful termination. $77,237
Why Choose Insurance Canopy?
With Insurance Canopy, you get affordable, high-quality insurance tailored to your tutoring needs through our simple online application that takes 10 minutes or less to complete.
Our U.S.-based customer service reps are here to answer any questions you may have about your coverage and don’t make commission, so they aren’t trying to sell you coverage you don’t need. Plus, we have an A+ rating from AM Best, which is like having a great report card in the insurance industry.
- 24/7 access to your policy documents
- Instant Certificate of Insurance (COI)
- Ability to customize your coverage for your needs and budget
- Affordable pricing and option to pay monthly
- Free and unlimited additional insureds
You're In Good Company With Insurance Canopy
Over 78,000+ professionals, including Tutors and Private Teachers, trust Insurance Canopy for their liability insurance.
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They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025Great experience, quick and easy to understand with what I needed for my business. Highly recommend!
FrankLynn Rae
October 28, 2025Very helpful customer service! Prompt, punctual, effective! No bots or long waits to get assistance.
Maria Ciccone
October 19, 2025 -
Canopy insurance has made affordable, band insurance needed for major venues. Thank you for your fast and easy service Stan Zizka's Del Satins
stan zizka
October 5, 2025Getting a vendor policy was quick and fairly priced compared to other quotes.
Kristine Fullerton
October 3, 2025Thank you so much
Steve Monreal
July 11, 2025 -
I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie Calaway
July 4, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025 -
Very easy to renew policy
Elyce Nissinoff
June 18, 2025Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025 -
Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More
Gretje Angell
June 18, 2025Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David Fox
May 18, 2025They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 18, 2025 -
everything is excellent
Radames Martinez
May 18, 2025Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!
Ishan Arvin
May 18, 2025Affordable for dance & yoga folk. Thumbs up!
Maia Claire
May 18, 2025
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They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026 -
Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026 -
Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026 -
Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026 -
Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025 -
Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025 -
So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025
Have Questions About Insurance for Tutoring Businesses?
We’re On It.
If I Tutor Out of a School, Do I Still Need Liability Insurance?
Yes! Whether you tutor in a school, your home, or your students’ homes, you still need liability insurance because risks can creep up anywhere. For example, you enter a student’s home and accidentally knock over a vase and break it. The parents can file a property damage claim against you because it was an expensive vase.
How Do I Protect Myself as a Private Tutor?
You can protect your tutoring business by understanding and reducing your risks as well as obtaining the right insurance coverage.
For example, keeping your workspace clear of hazards can prevent accidental injuries. But having general liability insurance can cover the cost of medical expenses if a student accidentally trips over your equipment, sprains their ankle, and sues you to foot the bill.
Tutor Liability Insurance
Tutors and private teachers—enhance your professional security with affordable liability insurance tailored to your needs. For as little as $21.08 a month, get comprehensive coverage that protects against a variety of risks so you can focus on delivering quality education without worry.
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