The Hartford doesn’t offer CPR instructor insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
What Is CPR Instructor Insurance?
CPR instructor insurance, or first aid instructor insurance, is another name for small business insurance. It’s a package made up of different types of business insurance coverages that help protect professionals who teach CPR and other life-saving skills. This coverage can help protect you and your team from incidents like:
- Student injuries
- Negligence claims
- Property damage
- Stolen equipment
The Hartford knows small business owners face unique risks. Although The Hartford doesn’t offer coverage for CPR instructors, we’re working with Tivly to help you get the coverage you need to help protect yourself.
Why Do You Need CPR Instructor Insurance?
Even with the best training techniques, liability claims can happen. From a student alleging they weren’t properly taught CPR to your equipment being stolen, incidents like these could bring your business to a halt. With CPR instructor insurance, you can keep teaching, knowing you’re better protected.
If you’re providing first aid training, insurance coverage may help pay for your legal fees and damages if you’re sued by a student, visitor or employee. Certain coverages can also help protect your property and restore lost income if something like a fire, theft or vandalism disrupts your operations.
Who Needs CPR Instructor Insurance?
- Independent CPR instructors
- Independent first aid instructors
- CPR and first aid training centers
- Workplace safety consultants
- Child care safety educators
What Type of Insurance Do I Need as a CPR Instructor?
Many CPR instructors have a Business Owner’s Policy (BOP) as the foundation of their insurance plan for the peace of mind it can provide. It includes three types of coverage to help protect your training center from claims of bodily injury and property damage.
A BOP includes:
- General liability insurance, which helps protect your first aid instruction business from claims that it caused bodily injury or property damage.
- Commercial property insurance, which helps protect your owned or rented building, as well as tools, equipment, inventory and supplies that you use to operate your CPR training center. This can include:
- CPR manikins
- AED trainers
- First aid kits
- Workbooks and instructional materials
- Disposable masks and supplies
- Business income insurance, which helps replace lost income if you can’t operate your training center because of vandalism, leaky pipes, fire, theft or storm damage.
It’s important to remember that a BOP won’t cover every type of claim. You likely will need to get other types of insurance to increase your protection, such as:
How Much Does CPR Instructor Insurance Cost?
CPR instructor insurance costs vary. Not every instructor or training facility has the same needs. Insurers also use different factors to determine rates, which can include your:
- Location
- Claims history
- Number of employees
The Hartford doesn’t offer coverage for CPR instructors, but we work with Tivly to help you get the coverage you need. The best way to find out how much first aid trainer insurance will cost is to get a quote from Tivly.
General Liability Insurance
“One of our students tripped over a mat in our training area and broke her wrist. She sued us for her medical costs.”
General liability helps cover claims that your first aid training center hurt somebody else. It can help cover their medical bills or your legal costs if you get sued.
Cyber Liability Insurance
“Our registration system got hacked, exposing sensitive student information. The whole team worked overtime to notify everyone affected, and some people ended up suing us.”
Cyber liability insurance, or data breach insurance, helps you respond to a breach or cyberattack. It can help cover financial losses due to cyberattacks or other tech-related risks, as well as privacy investigations or lawsuits following an attack.
Workers’ Compensation Insurance
“One of our trainers hurt his back while moving equipment for a class. He needed regular physical therapy appointments and several weeks off.”
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help cover their medical bills and replace lost wages if they can’t work.
Professional Liability Insurance
“One of my clients sued me because they had to pay a fine after a few employees failed their certification. My client claimed I taught the course poorly and it caused them to lose money.”
Professional liability insurance helps protect your program if someone claims it made a mistake in the services given. This insurance can help pay your legal costs, including attorney fees, judgments or settlements.
Commercial Property Insurance
“We were shocked when several of our expensive CPR manikins were stolen from our office. Since we rely on them for training, we had to replace them right away to keep our classes running.”
Commercial property insurance helps protect your business' equipment, furniture and supplies from loss or damage caused by events like storms, fires or vandalism.
Commercial Auto Insurance
“Our lead instructor was in an accident on the way to a CPR workshop. Thankfully, he was okay, but our company car was totaled.”
Commercial auto insurance can help protect your employees on the road if they drive company-owned vehicles for business.
CPR Instructor Insurance You Can Count On
Get the coverage you need from Tivly.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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