Since the pandemic, professional services like private tutoring has become an in-demand offer to support students learning from home. You’ll find teachers and other professionals offering Math, English, and other subject tutoring services online and in-person.
However, as you are offering professional services, you need general liability and professional liability insurance.
Why would you need General Liability insurance?
Imagine working from the home of your student and accidentally knocking over a glass of juice on their laptop? That’s damage to third-party property, which you’ll need to pay for out of pocket.
Or what if you’ve decided to offer in-person tutoring from your home or office? If the student or parent trips and falls, you’ll be liable for their injuries.
As a professional services provider, you’ll need general liability insurance to cover yourself from claims along these lines.
Why private tutors need Professional Liability insurance?
If you offer a guarantee with your service, or you’re working toward a goal with the student, and you don’t reach it, the parent can decide to sue.
If this happens, your professional liability insurance will cover your legal fees, and select other damages.
As a private tutor, you may also need to consider:
- Business Propert insurance (against damage or theft for your computer, textbooks, etc.)
- Workers Compensation insurance (if you employ anyone to work alongside you)
- Personal Accident insurance (to protect you against loss of income if you are unable to work
due to an accident)