The Hartford doesn’t offer tutor 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.
Why Do You Need Tutor Insurance?
Tutor insurance is another name for small business insurance. It’s a package of insurance coverages designed to help protect your business from risks that can come up every day. Having the right type of business insurance can better prepare you to deal with unexpected challenges.
Without insurance for a tutoring business, you’d have to pay out of pocket for claims. This can be costly and puts your business at financial risk.
While The Hartford doesn’t offer insurance coverage for private tutors, we’re working with Tivly to help you get the insurance coverage you need.
Who Needs Insurance for Tutors?
Many types of tutors can benefit from insurance coverage, including:
- Private tutors
- Online tutors
- Tutoring centers
- Test prep instructors
- Educational consultants
- After-school program educators
- Homeschool teachers
- Language tutors
- Special education tutors
- Music tutors
What Type of Insurance Do I Need for a Tutoring Business?
Many tutors have a Business Owner’s Policy (BOP) for the peace of mind it provides. It’s a good foundation for an insurance plan, because it helps protect your tutoring business from bodily injury and property damage claims.
A BOP combines three essential types of coverage into a single policy:
-
General liability insurance to help protect your tutoring business from claims it caused bodily injury or property damage to someone else.
-
Commercial property insurance to help protect your owned or rented building where you operate, as well as the computers, supplies, inventory and equipment you rely on.
-
Business income insurance to help replace lost income if you can’t operate your tutoring business because of covered property damage caused by fire, wind or theft.
Because every business has unique challenges, you might need to get other types of insurance to have more protection, including:
-
Workers’ compensation insurance to help protect your employees. It gives them benefits to help them recover from a work-related injury or illness.
-
Professional liability insurance to help protect your business from claims that it made a mistake in the professional services given.
-
Commercial auto insurance to help protect you on the road if you drive a company-owned vehicle for business.
How Much Does Insurance for Tutors Cost?
The cost of tutor insurance can vary because everyone has unique needs. Insurance companies also use different factors to determine rates, such as:
- Location
- Claims experience
- Business size
- Policy details
The best way to find out how much tutor insurance costs is to get a quote. Our partner, Tivly, can help you get the coverage you need to help protect your tutoring practice.
General Liability Insurance
“The walkway in front of my office froze over, and a parent slipped and fell while dropping their child off for a session. They hurt their hip badly, and I had to call for an ambulance.”
General liability helps cover claims that your business hurt someone or damaged another person’s property.
Data Breach Insurance
“One of my tutors fell for a phishing scam and hackers got into our network. They stole files with sensitive information about our clients.”
Data breach insurance helps you respond if personally identifiable information (PII) gets lost or stolen. This coverage can help your
Workers’ Compensation Insurance
“One of our tutors developed carpel tunnel syndrome from frequently typing lesson plans. She ended up needing surgery and time off for physical therapy.”
Workers’ compensation insurance gives your employees benefits to help them recover from work-related injuries or illnesses. It can help cover their medical bills and replace lost wages.
Professional Liability Insurance
“I was tutoring someone who needed to pass an exam for their job. I was shocked when I found out they were suing me, claiming I taught the wrong material.”
Professional liability insurance helps protect your tutoring center from claims it made a mistake in the professional services given.
Commercial Property Insurance
“An electrical fire started in the classroom I rent for my tutoring business. My computers and documents were all destroyed.”
Commercial property insurance helps protect the computers, supplies, paperwork, tools and inventory you use to operate your tutoring business.
Commercial Auto Insurance
“Our van was in an accident on the way to pick up our after-school group. The other driver needed medical attention, and the van needed repairs.”
Commercial auto insurance can help cover property damage and bodily injury claims if an employee gets into an accident while driving a business-owned vehicle for work.
Get a Quote for Tutor Insurance
Our partner, Tivly, can help you get the protection you need to keep tutoring with confidence.
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.
Additional disclosures below.