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Do CPR instructors need insurance?
CPR instructors who teach and lead classes in procedures to revive a person experiencing a breathing or heart emergency should carry professional and general liability insurance. Different problems can occur when working with students who take issue with or otherwise feel damaged by your first aid instruction services. Obtaining insurance for CPR instructors is a great way to protect yourself while continuing to provide an important education to students, which is especially true for instructors who work for themselves or own their own business.
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Insurance coverage available for CPR instructors
For most CPR instructors, there are two main types of insurance policies worth getting for a business, each of which provides its own aspects of protection to help run a small business as smoothly as possible.
Professional liability insurance for CPR instructors
Professional liability insurance—also sometimes referred to as errors and omissions or E&O Insurance—provides a multitude of benefits for CPR instructors, such as coverage for personal injury, defense costs, negligence and claims against past-rendered services. Although events like fraudulent acts and property damage aren't typically covered by professional liability insurance, this form of coverage is very important for anyone who regularly provides professional services or advises clients, including first aid and CPR instructors.
A CPR trainer gives a comprehensive course on CPR to a community-based organization. Part of the training demonstrated how to perform CPR on an infant. Subsequently, one of the students in the case came upon an infant in a public park who was turning blue and unable to breathe. The student performed CPR too vigorously and the baby was injured with a bruised rib. The baby suffered no serious damage, but the parents sued the student and the instructor for teaching the wrong CPR methods. Professional liability insurance could protect you in such a situation.
When a student reacts negatively to your services or otherwise feels as if they have been damaged in some way by the services you provide as a CPR instructor, getting sued is a possibility. Potential issues for first aid professionals can come in many different forms, including negligence and other claims. You can protect yourself by getting professional liability insurance—a crucial tool for providing peace of mind to CPR instructors.
General liability insurance for CPR instructors
In addition to times when instructors can benefit from having a professional liability insurance policy in place, there are scenarios which are not usually covered under this type of policy. General Liability—also called commercial general liability (CGL)—covers business owners against property damage, claims of bodily injury and any associated medical costs.
A CPR trainer is teaching a class at a local university. The instructor has prepared in advance and brings along a slide projector loaded with valuable graphics. The trainer sets up his equipment, but leaves the electrical cord stretched out. One of the students trips over the cord, falls down and drops and breaks the laptop that he brought to take notes. The student later sues the instructor for the property damage he suffered. General liability insurance could protect against claims for bodily injury and property damage.
Though your property won't usually be covered under general liability insurance, damage sustained to third-party property typically will be.
Why do CPR instructors choose Hiscox?
Hiscox understands just how much work goes into being a CPR instructor. Whether you've opened your own business or are working as a first aid teacher in a different capacity, we can help you grow your career by reducing risk with our insurance policies, allowing you to focus on what really matters: providing CPR instruction services to your clients.
Here are five reasons why CPR instructors choose Hiscox above other providers for professional and general liability insurance:
- Flexible payment options: We offer you the option of making monthly payments (with no additional fees) to help you manage your cash flow.
- Tailored insurance: We specialize in businesses like yours and tailor coverage to the risks in your field.
- Claims responsiveness: When a covered claim is reported, we will immediately defend you—even if the claim has no basis—and, if necessary, appoint an attorney.
- Coverage for contracts: Our insurance coverage satisfies most standard contract insurance requirements.
- Worldwide coverage: We protect you for work done by your business anywhere in the world as long as the covered claim is filed in the United States, a U.S. territory or Canada.
- Passion for service: Agents knowledgeable about your business concerns will provide you with excellent service—4.7/5 people surveyed recommended us.
Ready to learn more about how Hiscox insurance can help mitigate risk with first aid instruction insurance coverage? Get a fast, free quote now and get that Hiscox confidence behind your CPR/ first aid business. If you prefer, you can call us at 1-866-283-7545 and speak with a Hiscox licensed agent, Monday – Friday, 7am – 10pm ET.
Hiscox Customer Reviews
Yuhsiang, Redmond, WA
“Happy with purchase. I had some special need to my liability insurance but I was traveling a lot and so email them the request. They call me back right away and explain to me patiently and get it done right away. I am very happy with the purchase. The only down side is that the policy will continue to charge unless I call them to stop, which to me, it seems that should be optional.”
Kevin, Harrison Township, MI
"Turnkey insurance coverage." The agent was very helpful and timely to get back to me.”
"Clear + Professional Custom Service" I had a fantastic discussion with a representative on the phone that helped clarify my questions and select the proper policy.”
"My service feedback with Hiscox"
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"I'm officially a professional!"
Service was very good. All my questions were answered. I feel much better having the insurance for my new real estate photography business. Telling my clients I'm insured goes over much better than telling them nothing at all.
This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Coverages are subject to underwriting and may not be available in all states.