Education Insurance
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What Insurance Do Educators Need?
General Liability Insurance is required by teachers and tutors in the majority of states. It protects you from legal actions resulting from bodily injury, medical expenses, legal defense costs, property damage, and settlement bonds.
Example... A student falls down the stairs and his parents sue you for not supervising him. General Liability Insurance will cover your legal costs.
Commercial Property Insurance protects your property, equipment and inventory in case of natural disaster or ruin.
Example... Your tutoring institution catches fire, destroying all your teaching materials. Commercial Property Insurance would help reimburse you for everything destroyed.
Workers Compensation replaces wages and medical benefits to employees that are injured or unable to work due to a work-related incident.
Example… One of your teachers injures themselves while working with the children. Workers Compensation covers their medical billls and lost wages while they're away from work.
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FAQs: Education Insurance
Which educators need insurance?
We’ve made it easy for educational service professionals to understand when they need insurance and what sort of insurance they need. Every educator needs insurance.
Educators, schools and universities, as businesses, are susceptible to common, day-to-day situations that potentially could cause damage to employees, property, students or reputation.
How much will it cost to get insurance for educators?
The price of insuring educational services will vary based on a number of factors including:
- How many coverages did you select.
- The size of your business.
- If you use automobiles with your business.
- If your business is located in an area with high risk for natural disasters, etc.
Don’t worry, we’re here to help you fully understand your options while also giving you the best, most affordable options.