Education 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.
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