Tutoring & Education Services Insurance
Coverage recommendations, carrier options, and cost estimates for tutoring & education services businesses — what you need, what it costs, and how to get covered.
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
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Risk Profile
Physical
Liability
Professional
Property
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