Tutoring & Education Services Insurance
Coverage recommendations, carrier options, and cost estimates for insuring tutoring & education services businesses. Built for independent agents quoting this class.
Recommended Coverages
BOP
essentialBundles general liability, commercial property, and business income/extra expense into one policy. Common claims include student injury at center.
$1M GL per occurrence / $2M aggregate; Property limits vary by business personal property and building values
$500 - $3,500/year for low-risk small businesses; $3,000 - $10,000+ for higher-revenue or higher-risk classes
GL
essentialThird-party bodily injury, property damage, personal and advertising injury arising from business operations. Common claims include student injury at center.
$1M per occurrence / $2M aggregate
$400 - $3,000/year for small businesses; $3,000 - $15,000+ for contractors and higher-risk classes
Professional Liability
recommendedClaims arising from professional errors, omissions, negligent acts, or failure to perform professional duties. For Tutoring & Education Services businesses, key exposures include professional liability from educational outcomes. Agent note: Professional liability covers claims about educational services rendered
$1M per claim / $2M aggregate is standard; higher limits for regulated professions
$500 - $3,000/year for low-risk professions; $3,000 - $20,000+ for attorneys, accountants, and healthcare
Abuse & Molestation
recommendedAbuse & Molestation provides specialized coverage tailored to the risks Tutoring & Education Services businesses face. Key exposure: abuse allegation risk. Common claims include abuse allegation.
Varies by carrier and state
Varies by business size and risk profile
Risk Profile
Physical Risk
Liability Risk
Professional Risk
Property Risk
Top Risks
- Duty of care for minors
- Abuse allegation risk
- Professional liability from educational outcomes
- IC vs employee classification of tutors
Carriers That Write Tutoring & Education Services
One of the largest small commercial writers in the U.S. with broad class appetite. Competitive BOP pricing and a streamlined agent portal with fast online quoting.
Broad appetite across most commercial classes with competitive package pricing. Strong multi-line capabilities — agents can bundle GL, property, auto, and umbrella under one carrier.
Known for competitive commercial auto rates and fast online quoting. Strong appetite for businesses with vehicle fleets and a growing BOP book.
Berkshire Hathaway-backed (AM Best A++) with competitive pricing for standard small business classes. Fully online quoting and binding process.
Cost Estimate
$2,000 - $10,000 for businesses with $100K - $1M revenue
Key Pricing Factors
- Annual revenue ($100K - $1M is typical for this class)
- Employee count (3-15 is typical)
- Number of students
- Age range served
- In-home vs center-based
- Background check policy
Get Quotes from a Local Independent Agent
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