Next Insurance

TUTOR INSURANCE

You can save up to 25% in discounts on business insurance.*

Education insurance
Tutor insurance

Tutor insurance designed to protect your business

NEXT Insurance is a one-stop shop to help you get the private tutor insurance you need to protect your business from accidents, injuries, legal fees and damaged vehicles. Our insurance packages typically include:

  • General liability
  • Professional liability (E&O)
  • Commercial auto
  • Workers’ compensation
  • Commercial property

You can save up to 25% in discounts on tutor insurance

You can pay for your insurance monthly or annually and you can cancel instantly at any time.

Basic
Lowest Price
Commercial Auto
Combined single limit
$85,000
General Liability
Per occurrence
$500,000
Workers’ Comp
Per accident
$100,000
Commercial Property
Per occurrence
$25,000
PRO
Most Popular
Commercial Auto
Combined single limit
$100,000
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$500,000
Commercial Property
Per occurrence
$25,000
PRO PLUS
Best Coverage
Commercial Auto
Combined single limit
$1 million
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$1 million
Commercial Property
Per occurrence
$25,000
We’ll help you get the business insurance coverage you need
It’s all about managing your risk. See the different tutor insurance policies available and save up to 10% when you bundle two or more of our policies.
General Liability

General Liability

Bought by 95% of business owners like you
General liability insurance covers a wide range of tutoring accidents and basic risks. You’ll have financial protection if someone gets hurt during a teaching session or you are held responsible for damaging property that doesn’t belong to you. It’s often required by schools and educational programs.

general liability can help you pay for:

Medical payments
Property damage
Legal fees and judgments
Professional Liability (E&O)

Professional Liability (E&O)

Bought by 80% of business owners like you
Professional liability insurance (also known as errors and omissions or professional indemnity insurance) for private tutors helps you defend yourself if you’re accused of making a mistake that causes someone to lose money. For example, your client could attempt to sue if one of your students fails to pass an entrance exam that was the focus of your lessons. Professional liability could help cover related expenses to defend yourself.

professional liability can help you pay for:

Professional negligence (actual or alleged)
Legal defense costs
Legal judgments
Commercial Auto

Commercial Auto

For business owners who own or drive vehicles
Most states require commercial auto insurance for business-owned vehicles to help pay for medical expenses and property damage. Personal auto insurance usually won’t provide coverage for injuries or property damage if you get in an accident while driving for work.

commercial auto can help you pay for:

Medical expenses
Collision repairs
Rental reimbursement
Workers' Compensation

Workers' Compensation

Coverage for workplace injuries
Workers’ compensation insurance can help pay for medical care and lost wages after a workplace injury. It’s almost always required if you have employees. Choose business owner’s coverage with your policy to protect yourself.

workers compensation can help you pay for:

Medical expenses
Lost wages
Employer liability
Commercial Property

Commercial Property

For business owners who own or rent physical spaces
Commercial property insurance can help protect your business equipment, inventory and even the building itself if you own it. If your business property is damaged due to a covered event, such as a burst water pipe or fire, property insurance can help with replacement costs or repairs.

commercial property can help you pay for:

Damaged equipment and inventory
Lost income
Operating expenses
How much does tutor insurance cost

How much does tutor insurance cost?

Tutor insurance quotes vary based on the risks that your business faces, such as:

  • The kinds of tutoring you provide
  • Where your clients are located
  • If you have any employees
  • The type of vehicle you drive

Learn more about tutor insurance costs and coverage.

Tutor insurance requirements

Tutor insurance requirements

Tutors are almost always required to have insurance due to the risk of injuries to students or damage to their property. You might need insurance to:

  • Start working with students. Parents and schools might ask you to have active insurance needed for tutoring businesses — usually general liability or workers’ compensation.
  • Injuries on the job. Most states require workers’ compensation, even if you don’t have employees.
  • Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
  • Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.

Frequently asked questions about business insurance

Here are some of the most common questions we get about tutoring business insurance policies. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

How does business insurance protect tutors?

Our affordable tutor insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You’ll be protected from financial losses related to:

Damage to someone’s property

You accidentally spill your coffee on a student’s laptop. The general liability coverage in your insurance package would help pay for a repair or replacement.

Accidents that hurt someone

A student cuts their leg on the sharp edge of desk. Your general tutor liability insurance coverage would also come into play here by helping to pay for medical costs and legal fees.

Professional mistakes 

A client claims that you didn’t sufficiently prepare them for an important exam and caused them financial losses. Professional liability insurance helps you defend yourself if you’re accused of making a mistake that causes someone to lose money. 

Workplace injuries 

You develop carpal tunnel syndrome after long days working at your computer and need treatment. Workers’ compensation insurance with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees.  

Injuries and damage involving your business vehicles

When backing out of a client’s driveway, you accidentally knock over their mailbox. Commercial auto insurance will help pay for the repairs. This tutor insurance coverage is also usually required by law for business-owned vehicles.

Damage to your own property

Thieves steal several computers from your tutoring facility. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.

What do I need to get an insurance quote online?

We keep it simple and straightforward so you can find the coverage that’s right for you within a few minutes. When you start a quote for insurance, we’ll ask you a few basic questions about your business, including: the kind of services you provide, the location of your office or where you plan to work, how many people you employ and how much you pay them and the number and type of vehicles you use for work.

How can I get a certificate of insurance?

You’ll have instant access to your certificate of insurance 24/7 from your computer or mobile device when you purchase coverage with Next. There’s no waiting for anyone, no need to print anything and definitely no fax machines. If you’re a new or current Next Insurance customer, all you need to do is log in to your account and your Live Certificate delivers you the proof of insurance you need instantly, for free. You can easily share your COI with anyone via email, text message or a social media post. We provide unlimited certificates and you can also add an additional insured for free. If you decide to change your coverage, your certificate will be automatically updated. Find out more details about your certificate of insurance

How does the claims process work with NEXT Insurance?

  • If you’re a policyholder, you can file a claim any time by logging in to your account at www.nextinsurance.com and clicking the “File a claim” under the "About us" tab. You can expect a call from us shortly after you submit a claim to go over the details.
  • If you do not have a policy with us and are filing against one of our policyholders, you can head over to our website at www.nextinsurance.com, select “Help Center” under our “Support” tab, and under “Quick Actions for Customers” click where it says ”Not a policyholder and want to file a claim?”
  • If you cannot access your online account and require help from our support team, please visit our online help center.
Certificate of Insurance

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More professions that are covered by NEXT

Computer Lessons, Art Class, Adult Education, Acting Lessons, Child Care, Daycare, Tutor
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* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.
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© 2023 Next Insurance, Inc. 975 California Ave, Palo Alto, CA 94304, United States
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Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.