Insurance for Tutors

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Who needs Tutoring insurance? 

Tutors help students in specific subjects, or to prepare for exams. A tutor might work from their home or a student's home to help them study a subject. They might also work at a school or college and educate students before they sit for exams.

Tutors often have a teaching degree and may have additional training. They work with students one-to-one or in groups, and expectations are high. Tutors should have both general and professional liability insurance to protect themselves against claims or lawsuits. 

Claims against a tutoring business can occur for a host of reasons. A student might fail a class or exam. An accident can occur where a student trips and falls on the tutor’s  property. Liability insurance can protect you from lawsuits while you grow your tutoring business. This is particularly true for tutors who work from their homes or own their own business. 

Insurance coverage can protect you against claims like:

  • Injury to a student in your care.
  • Failing to educate a student or not covering a specific subject or topic.
  • Tutoring methods that are improper or incorrect.
  • Violating a student's civil rights. 

Related professions we insure

Insurance Policies Available for Tutors

For most tutors, there are three main types of educational insurance policies to consider. Each of these includes its own unique aspects of protection. They can help you take the right risks for your tutoring business.

Professional liability insurance for Tutoring Businesses

Professional liability insurance is also called errors and omissions (E&O) insurance. It provides coverage things you did that you shouldn’t have (errors) and things you should have done that you didn’t (omissions). It also provides coverage for personal injury incidents like libel or slander. It can also cover the cost for you to defend yourself, and claims of negligence for services rendered in the past.. 

For example, a parent might want reassurances their child will pass the SATs or MCATs. However, the child does not remember what the tutor taught them and fails the exam. The parent might later say the tutor gave poor instructions. They may then take legal action for breach of contract even though the tutor is not at fault.  

Professional indemnity insurance covers defense costs, judgments, and settlement costs. It protects against claims from private clients, schools, students, and local education authorities. It is helpful if someone makes an accusation against a tutor, such as alleging that the tutor missed a topic in the syllabus.

General liability insurance for Tutoring Businesses

General liability is also called commercial general liability (CGL). It can protect you from claims and helps you avoid dire financial implications.  

For example, a fire could break out in your office and harm a student. Your general liability insurance policy can cover the cost of the student’s medical care. Or, suppose you are tutoring in a student's home, and their family has priceless collectibles. If an item falls over accidentally or there is a spill on an antique rug, they may make a claim against your business. General liability insurance could protect your business by covering the cost to replace the item.

Learn more about how much general liability insurance costs

Business owners policy (BOP) for Tutoring Businesses

For tutoring businesses, a business owners policy (BOP) is a great policy to start with. It combines business property and general liability insurance, protecting you against third party claims as well as damage to your own property. 

With a business owners policy, if a student falls on your property, you have coverage for medical and associated costs. If the small storefront you rent gets damaged in a storm, you have coverage for damage to your furnishings and equipment. You can make repairs and get your educational business running again.

Why do Tutors select Hiscox for Insurance? 

At Hiscox, we understand you can face a myriad of unique challenges as you run your tutoring business. Maybe this is your first educational business, or you are scaling your brand. Our small business insurance policies can help reduce your exposures. That gives you more time for the important things, like helping your students succeed.

Here are six reasons why retailers choose Hiscox above other providers for small business 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, Hiscox will immediately assign a dedicated claims representative to assist you.
  • Coverage for contracts: Our insurance coverage satisfies most standard contract insurance requirements.
  • Worldwide coverage: A business insured through Hiscox is covered for work done anywhere in the world, as long as the claim is filed in the U.S., a U.S. Territory, or Canada.
  • Passion for service: Agents knowledgeable about your business concerns will provide you with excellent service—4.78/5 people surveyed recommended us

Ready to learn more about how Hiscox insurance can help mitigate risk with life coaching insurance coverage? Get a fast, free quote now and get that Hiscox confidence behind your business. If you have questions, call us at 1-866-283-7545 and speak with a Hiscox licensed agent, Monday – Friday, 7am – 10pm ET.


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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.