Whether you’re hosting an online class or keeping a watchful eye on infants at your daycare, Next Insurance is a one-stop shop for education business insurance. We deliver easy, affordable insurance so you don’t need a cheatsheet to figure out the coverage that is best for you. And for bonus marks, you can save up to 10% when you bundle two or more policies.
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How much does education business insurance cost?
You can save up to 30% when you buy education insurance with Next. The exact amount you pay will depend on:
- The types of teaching services you offer
- If you work from home, at a facility or in students’ homes
- If you have part-time assistants or full-time employees
- If you drive to different locations to teach
Take a few minutes to get an instant quote and see how much business insurance will cost.
Get a QuoteWhy do teachers need business insurance?
Unanticipated accidents frequently happen when working with children — to you and to them — and insurance means you’re covered from paying all expenses yourself.
If you have business insurance, you won’t have to pay entirely out of pocket if someone gets hurt, property is damaged or you have to defend your business.
People trust you to help them learn something new. If you work with children, it’s an even greater responsibility. You can trust Next to help you get the business insurance you need at an affordable price so you can focus on teaching without worry.
Get Instant QuoteEducation liability insurance
Teacher liability insurance can help cover costs if someone accuses you of causing an injury or damaging property that doesn’t belong to you. It’s usually required if you sign a contract to work with a school or if you rent a commercial property for your learning or day care center.
We combine two types of liability insurance in our business insurance packages:
General liability is the insurance coverage most teachers and child care providers buy first because it covers the two biggest risks that you face every day — injuries to other people and damage to property that doesn’t belong to you. If you accidentally drop your student’s violin and it breaks, general liability insurance can help pay for a replacement.
Professional liability provides financial protection if someone claims you didn’t provide the services you agreed on or you didn’t live up to your professional commitments. If you tutored a student for an entrance exam to a prestigious school and they failed the exam, the parents can claim that it was your fault and demand a refund. Professional liability can help cover costs to defend your business.
Get Instant QuoteOther important business insurance coverage for teachers
Liability insurance is essential but you may want to add other types of business insurance to protect yourself, your work vehicles and your employees.
We typically recommend:
Workers’ Compensation
Workers’ compensation can help pay for lost wages and medical bills after a workplace accident.
If you’re a hands-on daycare teacher and you accidentally stab yourself with craft scissors, your medical bills will be covered if you have workers’ compensation. If you don’t have workers’ comp, you might not be covered by your personal health insurance and you won’t have any help with lost wages if you miss multiple days of work.
Workers’ comp is also required for businesses with employees in every state except Texas.
Learn more about workers’ comp.
Commercial Auto insurance
Your personal car insurance might not cover you if you get in an accident while driving for work purposes. Consider buying commercial auto insurance if you teach at different locations or if you drive regularly to students’ homes.
It’s required in most states for vehicles that are owned by your business.
Learn more about commercial auto.
Get Instant QuoteFrequently asked questions about education insurance
What do I need to get an insurance quote online for my education business?
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 education insurance, we’ll ask you a few basic questions about your business, including: -The kind of classes and services you provide -The location of the learning center where you plan to work -How many people you employ and how much you pay them -The number and type of vehicles you use for work
How do I get my certificates of insurance?
A few minutes after you buy any type of coverage, you can log into your account from a computer or mobile device to access your certificate of insurance. 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.
Can I add an additional insured to my teaching insurance?
Yes. We know it’s a common need for teachers to add an additional insured to their coverage, so we’ve given you the power to create certificates of insurance and add additional insureds for free. Learn more about additional insureds.
How does the claims process work with Next Insurance?
You can file a claim in a few steps, either online or over the phone. Call us as soon as an incident occurs at (855) 222-5919 to report what happened. One of our claims specialists will ask for details, so please be ready to tell us:
- The name your policy is under so we can find the right one
- Where the incident happened
- What the injured person was doing at the time and the type of injury sustained
- Details and contact information for everyone who was involved
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