Teachers and private tutors work hard to ensure that their students get the knowledge and resources they need to succeed. However, accidents can happen anywhere, resulting in insurance claims that are no fault of your own, but still your liability.
That’s why it is a good idea to get insurance if you plan to become a tutor soon. Your insurance policy should reflect your needs as a business-of-one and cover any risks you may face in the course of your tutoring job.
It is important to note here that the US law doesn’t bind you to get insurance as a private tutor, but consider it a safety precaution to protect your business against accidents and mishaps. For example, a student might walk into something and injure themselves while in your home. Or parents who are dissatisfied with the progress of their child may sue you for their child's exam failure.
An insurance policy can protect you in these instances, and also from fire, damage to property, injury to a person, litigation action against erroneous academic advice, or tuition claims.
Though home tutoring might not seem like a high-risk business, and insurance may seem counter-intuitive, we at Superprof would still recommend you consider buying insurance.
As a home tutor, you can look into public liability insurance, professional indemnity insurance, business and portable equipment insurance, and employer's liability insurance. Many insurance agents and companies offer customized insurance policies that are tailored for private tutors – sometimes called tutor insurance.
Hopefully, our article will guide you on the relevant models of insurances available to you as a private tutor and what will work for you best as a private tutor.
Public Liability Insurance For Tutoring Jobs
When working in public, it is necessary to ensure yourself against claims of injury to other people. Businesses such as restaurants and bars often have this type of insurance to protect themselves from undue liabilities.
As a tutor, you will be dealing with the students, their parents, and other prospective clients who may visit for a consultation. All of them are susceptible to injury while on your premises, putting you at risk of public litigation.
Public liability insurance is designed to protect you from claims of injury or damage to property of a third party, from your actions or person.
Even if you work from home as a tutor, you are open to numerous risks. It is noteworthy to conduct a risk assessment before you start work.
Even the smallest things can be risk factors- such as frayed carpet edges, loose wires, and wet floors. It is, therefore, advisable to mitigate those hypothetical losses. You do not want to end up paying for someone's hip replacement because they slipped on your floor, for instance.
Public liability insurance is specifically for those working with members of the public- say you work with a student, and you spill water on his phone by mistake. If you were to face legal action over this, public liability insurance would ensure you won't have to pay a fee and it will also cover the claim charges.
There are numerous insurance companies and countless policies available out there. It's up to you to see which approach suits you and your business better, including the staff you employ.
Opt for public liability insurance and conduct your business with peace of mind and confidence, without having to worry about fallout.
To get more information on this type of insurance and whether it is the right kind of policy for you, click here to learn more.
Professional Indemnity Insurance for Tutoring Jobs
As a business that provides consultation, there are times when you can be liable for legal claims brought against you by your client against erroneous advice that you offered.
You may have offered sound advice, but they misconstrued it. Or, in another case, disgruntled students may have messed up on their own doing and in frustration, blamed you as a scapegoat.
What measures can you take to prove your innocence? After all, the advice is verbal, and it is unlikely you have written evidence to disprove your customer's claims.
Suppose you go to court, you will have to be ready to spend on your lawyers. You’ll also lose on possible business income as the case may drag on for months, wasting time that you would have otherwise spent giving tuition.
However, there is one way you can protect yourself from this debacle; and it’s called the Professional Indemnity Insurance model.
It is a form of protection against any legal liabilities caused by professional malpractice or negligence.
You may think that tutoring is not like accounting or law, where your advice could cause hefty damages to your clients, but it's not unheard of students filing lawsuits against their tutors.
Some probable causes of legal charges brought upon teachers are incorrect teaching, bad grades, failure to perform in the exams, undue stress, and countless other reasons.
It could be something even as trivial as you telling your student to not apply for early action for calling; they could still technically sue you for such advice.
Often, parents may not be satisfied with their child's results and may blame you for their child not performing well.
It is therefore highly advisable to have professional indemnity insurance, even though it too is not legally binding on tutors.
You are liable to claims up to six years after an act of alleged negligence, and the policy only covers you the time it is binding upon. Therefore opt for a policy that covers you for a reasonable enough period.
The reason for the lawsuit brought upon you may probably be completely unrelated to you. However, you still will have to pay the legal and court fee. And for that, you will need some policy to cover you.
Claims of negligence can be harmful to your reputation and self-esteem, and also highly expensive and arduous. Therefore it's best to opt for professional indemnity insurance to free you of any stress and unnecessary worries.
Professional indemnity insurance will also cover any professional partners or employees linked with your business against legal charges.
You can find more information about this kind of insurance through an online search.
Business And Portable Equipment Insurance
As a business owner, you will require and depend on a particular set of equipment for your business. This could include printers, laptops, fax machines, and video cameras, among many such examples.
Whether you teach at home, student's home, or work online tutoring jobs, your equipment can always be in harm’s way.
Some of the risk factors could be fire, robbery, voltage malfunction, flooding. You never know what can go wrong.
Suppose your equipment gets damaged in a tornado or fire. Even if it is something as simple as necessary office supplies, your business is bound to get disrupted. Your earnings will take a hit, and your students may have to discontinue their lessons for some time.
Your goal as a business owner is to protect yourself against those losses. You can prevent any such accident from happening by taking up precautions. But in some instances like natural disasters, you just cannot prevent a mishap.
For that scenario, the Business and Portable Equipment model of insurance exists to cover any losses of business equipment and machinery that may be incurred. You do not have to worry about dipping into your savings to recuperate your losses.
It is advisable to opt for this insurance policy if you rely heavily on specific equipment for your tutoring business, and their losses will impact your business negatively.
Employer's Liability Insurance For Tutors
As a private tutor, especially if tutoring is something you do by yourself like summer tutorial jobs, this insurance would not be very suitable. However, if you have an extensive business where you employ other tutors, you might want to look into this insurance policy.
If you have other employees in your tutoring business, you are required under the law to have employer's liability insurance.
You should also look into this insurance if you have a growing business that you are looking to expand by hiring more tutors to work under you.
Your business needs to be covered by an authorized insurer and must cover a required minimum amount, depending on different jurisdictions.
By having this policy, you also protect yourself from further lawsuits by disgruntled employees who may have hurt themselves during their work for you. This insurance will cover you against such claims.