Teacher Liability Insurance

small business owner protected by Teacher Liability Insurance

Help Protect Educators With Teacher Insurance

Whether you’re helping students prepare for a test or learn new skills, your work has its challenges. With teacher insurance, you can be better prepared for those on-the-job risks. Our partner, Tivly, can help you get the coverage you need.
 
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small business owner protected by Teacher Liability Insurance
small business owner knows what is Teacher Liability Insurance

What Is Teacher Liability Insurance?

Teacher liability insurance is a type of business insurance that helps protect against various risks for those in the education industry. While teachers employed by a district may have insurance coverage through the school system, private educators may need their own protection.
small business owner protected by Teacher Insurance

Who May Need Teacher Insurance?

If you’re a private tutor or own a teaching business, you can benefit from teacher insurance. This coverage can help educators in:
 
  • Continuing education programs
  • Higher education certificate programs
  • Art schools
  • Cooking schools
  • Dressmaking schools

What Insurance Coverage Do Teachers Need?

Many private teachers have a Business Owner's Policy (BOP) as a foundation for their insurance protection. A BOP includes the essential types of coverage many teachers need, such as:
 
Because every teacher is different and faces unique risks, you can add other types of coverage to your BOP to increase your protection.
 

How Much Is Insurance for Teachers?

The cost of insurance for teachers varies, because everyone has specific needs. Insurers also use different factors to determine rates, like your location, claims history and coverage details. The best way to find out how much you’ll have to pay for teacher insurance is to get a quote for the coverage you need through our partner, Tivly.

Protecting Your Team

From slips and trips to repetitive stress injuries or illness, teachers face different liability risks. The right teacher insurance coverage can help protect you.
The most common cause of injuries in schools are from slips, trips and falls.1
workers' compensation Insurance for teachers

Workers’ Compensation Insurance

“I had been grading a ton of exams when I noticed a pain in my wrist that wouldn't go away. I went to urgent care, and they diagnosed me with carpal tunnel.”
 
Workers’ compensation insurance gives teachers benefits to help them recover from work-related injuries or illnesses.
teachers Professional Liability Insurance

Professional Liability Insurance

“I had a student who took my exam prep class. When he didn’t pass the exam, he sued me, claiming my teaching was to blame.”
 
Professional liability insurance can help protect teachers from claims that they made a mistake in the professional services provided. It also helps cover claims of errors, omissions and negligence. It can also help cover your legal defense costs, attorney fees and any judgments or settlements.

Protecting Your Operations

As a teacher, you face unique risks. Whether it’s a student getting hurt or your supplies getting damaged, teacher insurance is there when the unexpected happens. It can give you the confidence to lead your class without worry.
Data breaches cost the education industry $3.5 million in 2024.2
teacher Data breach insurance

Data Breach Insurance

“A vendor I use for my course materials emailed me an overdue invoice. I clicked on the invoice link and logged in, only to find out afterwards that the company was hacked, and my personal information was stolen.”
 
Data breach insurance can help pay for the costs to recover from a breach incident if your personally identifiable information (PII) gets lost or stolen. Some insurance companies call this coverage cyber insurance.
General Liability Insurance for teachers

General Liability Insurance

“I had just finished a cooking demo and was cleaning some oil I spilled on the floor. Before I could get it all, a student slipped and fell. I had to call an ambulance to take them to the hospital.”
 
General liability insurance helps protect teachers from claims that they caused bodily injury or damaged someone else's property.

Protecting Your Property

You rely on your supplies and equipment to help teach. But what happens when they get damaged or stolen? With the right type of teacher insurance, your coverage can help pay to fix or replace your property.
Between 2013 and 2022, the number of nonresidential fires increased 27%.3
commercial property coverage for teachers

Commercial Property Insurance

“A fire broke out in the building where I tutor. It spread quickly, causing a lot of damage to the computers I use regularly.”
 
Commercial property insurance can help pay to repair or replace damaged tools, equipment or inventory that you use for teaching.
teacher commercial auto insurance

Commercial Auto Insurance

“I was driving my company van to pick up supplies for my program when I lost control of my car and ended up crashing into a guardrail.”
 
Commercial auto insurance helps protect you on the road if you’re driving a business-owned vehicle for work.

Frequently Asked Questions About Teacher Insurance

Teacher liability is the responsibility educators have to keep their students safe. Teachers may need insurance to help protect themselves against potential lawsuits or claims that can come up in the classroom.
Teachers and other educators can be personally sued or named in a lawsuit. Professional liability insurance coverage can help cover a teacher's legal costs, such as attorney fees and judgments or settlements. Teachers working in a school system may have professional liability coverage from the district or a union. Private teachers likely need this insurance to help protect against claims of errors, omissions or negligence in the services provided.
Professional liability insurance helps protect teachers from claims that there was a mistake made in the professional services given. These lawsuits are costly, so having coverage can give educators peace of mind.
An umbrella insurance policy is an extra layer of protection for teachers. It extends the amount of protection you have for liability claims. For example, if a bodily injury claim exceeds the maximum amount of coverage in your general liability policy, an umbrella policy can help cover the difference. It offers financial peace of mind against potentially sky-high claim costs.
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Teacher Insurance Made for Educators

Get the insurance protection you need today from our partner, Tivly.
 
Quote Today
 
 
Last Updated: February 25, 2025
 
1 U.S. Centers for Disease Control and Prevention, "Safety for Workers in Elementary and Secondary Schools"
 
2 IBM, "Cost of a Data Breach Report 2024"
 
3 U.S. Fire Administration, "Nonresidential Fire Estimate Summaries"
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
 
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