Private tutor insurance
One application, multiple quotes.
All in one place.
Essential Protection
From
$25.83
/month*
Can provide coverage if a client claims there was a mistake in the professional services you provided.
What’s included:
Professional Liability
Coverage limits: $100K to $3M†
Get multiple quotes in less than 10 mins
Essential Protection
From
$25.83
/month*
Can provide coverage if a client claims there was a mistake in the professional services you provided.
What’s included:
Professional Liability
Coverage limits: $100K to $3M†
Get multiple quotes in less than 10 mins
Would you rather pick and choose your coverage? Explore all options
Over 1 million customers worldwide.
Buy instantly online.
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Why Do I Need Private Tutor Insurance?
Your students turn to you when they’re frustrated or confused, and you help guide them through complex topics. While some may think of tutoring as an after-school side job, the reality is that you run a business. Unfortunately, many business owners have to face the fact that at some point — accidents can happen to anyone.
Below are some of the most common types of insurance policies that private tutors carry to stay protected.
What Type of Private Tutor Insurance Do I Need?
From
$25.83
/month*
General Liability
A foundational insurance coverage to help handle costs from third-party accidents, property damage, and bodily injury.
From
$20.75
/month*
Workers’ Comp
Coverage to help take care of employees who get sick or injured on the job. Most states require this coverage for small businesses with full- or part-time employees. It also can benefit business owners who don’t have employees.
From
$38.91
/month*
Business insurance —
a quick explainer
Learn more about policies for small businesses, what they cover, why you might need them, and how we can help – all in just 60 seconds.
Business insurance is often made up of different types of policies to cover different things, similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners need. General liability is kind of the Swiss army knife of insurance. It can do a lot, like help handle costs from third party accidents, property damage, bodily injury, and more. Nobody’s perfect, right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks, breaches, and fraud. BOP or a business owners policy combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in. You tell us a bit about your business online or on the phone, and we customize the coverage options for what you do and what you need. It’s your business, it should be your insurance as well. That’s why we’re here.
Do Tutors Need General Liability Insurance?
Do you teach one specific subject, or do you dabble in a little bit of everything? If general liability insurance were a tutor, it would be the latter. This jack-of-all-trades insurance policy covers bodily injury, property damage, and third-party accidents. “Third parties” refer to your clients or vendors. You also can add contents coverage to your policy, which could offset costs if your equipment (e.g., your laptop!) is lost or stolen.
Other than drinking too much coffee, being a private tutor doesn’t seem dangerous. So why get insured? Let’s review a scenario where having business insurance would protect your finances. Imagine you’re tutoring a student in your office when they get up to refill their water bottle. The student doesn’t see your laptop charging cable near the desk, and they trip on it and fall into your bookshelf. During the fall, your student broke their wrist, and the parents are suing you for the medical expenses and the time they had to take off work to care for their child.
Where does that leave you as a business owner? If you have general liability insurance, your policy could potentially help cover your settlement and legal fees. If you didn’t have insurance when the accident happened, you likely would have to pay for the damages, even if it meant taking out a loan.
So what does general liability insurance usually cover in your tutoring business? Here’s a recap:
- Third-party property damage (aka clients or vendors)
- Third-party bodily injury
- Medical expenses
- Personal and advertising injury
- And more
General liability insurance does not cover:
- Personal property damage
- Professional services
- Employee injury and workers compensation
- Damage to your work
- Motor vehicles during business use
- Intentional injury or damage
- And more
Learn more about General Liability Insurance.
Do Tutors Need Professional Indemnity Insurance?
The second type of insurance for tutoring businesses is professional indemnity insurance, or professional liability insurance. When you perform a professional service or give advice, you open yourself up to claims of negligence. A pupil or their parents could sue you for negligence, even if you don’t agree with the claim. Professional liability insurance can cover you in case a client claims that you, your employees, or your business were negligent.
Even small slips or accidents could turn into a negligence claim. For example, if you give a student incorrect information and they fail a test, they could sue you. They may claim that your misdirection prevented them from getting into their top college.
Without professional liability insurance, you’d need to pay for legal fees and settlements out of pocket. If you had a professional liability policy, things would look a lot different. Your policy could help offset damages so that your business could continue without paying the bill.
Let’s review the scenarios that professional liability insurance typically covers:
- Legal defense costs
- Omissions or alleged omissions
- Negligence or alleged negligence
- Claims and damages
- And more
Having professional liability insurance does not usually protect you from:
- Property damage
- Intentional acts and omissions
- Bodily injury
- Medical expenses
- And more
Do Tutors Need Workers Compensation Insurance?
If you have employees, then you have a growing business — congratulations! While your state may not require you to have general or professional liability coverage, workers compensation insurance is nearly always a requirement for businesses with employees. This type of insurance can cover medical bills, lost wages, and legal costs associated with an employee who gets sick or hurt on the job.
Accidents can happen anywhere, and they can be costly. The average cost of a workers comp claim is $40,051, and a slip or fall averages at over $46,000. While employee injuries will hopefully be few and far between in your business, the price of a single accident is enough to make workers compensation insurance worth it.
Workers compensation insurance for tutors may cover:
- Medical Payments
- Lost Wages
- Rehabilitation Expenses
- Death Benefits
Do I Need Insurance to Teach at Home?
Tutoring is tough but rewarding work. You’ve likely spent countless hours to get to where you are, and you deserve to maintain your business for as long as you wish. The reality of business, though, is that accidents or negligence claims can happen. Forty-three percent of small business owners have reported being threatened with or involved in a civil lawsuit.
Unfortunately, you don’t necessarily need to do anything wrong to face a negligence case. You could be the most effective and patient tutor in town. Still, one disgruntled student or parents who think you were negligent could sue you. We want to help you achieve the peace of mind that comes with preparedness.
The average costs small business owners are exposed to without insurance include:
- $30,000 for property damage or accident claims
- $39,000 for work injury claims
- $50,000 for reputational harm claims (e.g., slander or libel)
- $20,000 for a client slip-and-fall case
Paying your monthly business insurance premiums will help ensure that the twists of business don’t bring your passion to a halt. It’s understandable if you’re unsure about adding a monthly expense. Fortunately, you won’t have to pay for coverage that’s above your needs. Your policy premiums are based on the types of services you provide, where you’re located, how many employees you have, your annual revenue, and more. Just answer a few questions here to get a tailored estimate.
Now for some encouraging news — insurance is useful on your good days, too. Having proof of coverage comes with perks, including being able to:
- Rent out a room or space for your business
- Convince other people to work with you
- Earn a client’s confidence
- And more!
You’ll receive a certificate of insurance (COI) when you buy your policy through Simply Business, which you can use to provide proof of coverage.
What Does Private Tutor Insurance Cost
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Answers to More Private Tutor Insurance Coverage Questions
While we recommend general liability and professional liability insurance for tutors, your state may not necessarily require it. Your free quote considers your location and shows what requirements may apply to you. If you want to learn more about your state’s requirements, our licensed agents can go over those with you. Keep in mind that if you have employees, you’ll likely need workers comp coverage.
Business owners can deduct insurance premiums from their business income when they file taxes. However, we recommend that you talk to a local accountant to learn about your state’s tax laws and your specific business needs.
Nobody wants to pay for more than they need, and that extends to business insurance. Fortunately, your Simply Business insurance quotes are customized. The correct level of coverage for you depends on:
- The size of your business
- Your business’s location
- Your annual revenue
- And more
Our quote process takes all of this into account to provide the recommended coverage. You can speak with one of our licensed agents if you have additional questions.
Getting free insurance quotes is easy, and having information handy makes it fast, too. Before you start looking for insurance, you should have the following information:
- Annual revenue estimates
- Payroll estimates
- Information on any previous claims
Small business insurance requirements, including tutor insurance policies, are decided at the state level. There’s no need to dig through your state’s websites — we’ve got you covered. Our quote process and licensed insurance agents have that information for you.
A comprehensive insurance product — one that includes general liability, professional liability, and workers compensation — can cover:
- Bodily injury
- Accidents and damages
- Employee injuries
- Unintentional mistakes
- And more
Each business insurance policy is unique, so prices vary. Premiums depend on your services and whether or not you have employees. Pricing is affected by:
- Payroll estimates
- The location of your business
- The specific services you offer
- And more
Want to see how much your insurance may cost? Just answer a few questions here to get free quotes and compare policy prices.
If you’re a multi-talented business owner, our licensed agents can work with you to find protection for all of your services.
Why Small Businesses Choose Simply Business
Small business insurance is what we do. Whether it’s covering you for accidents and errors, meeting workers’ comp requirements, or financially protecting your business from the unexpected, we can help find the coverage you need for your business.
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*The displayed price for each product is a monthly estimate calculated from the 10th percentile of relevant policies sold by Simply Business (e.g., General Liability data is used for General Liability estimates). This estimate uses data from relevant policy sales between July–December 2025. Final price and payment terms, which may include an initial down payment, are subject to change based on your state, selected insurance provider, and specific business details.
† Limits may vary by state and nature of your business.
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