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Teacher insurance, simplified.
Why do I need a liability insurance for teachers policy?
As a professional educator, you’re 100% focused on helping your students develop. And, when it comes to teaching adults, the dynamic is quite different. You need to be disciplined, creative, and diligent in order to make breakthroughs and convey important lessons. You teach your students ways to think critically and apply the skills, whether that’s to their personal or professional lives.
Yet, when it comes to your own business, are you practicing what you preach? Have you prepared for the future and put safeguards in place in the case that something goes wrong?
Enter Thimble’s Liability Insurance for Teachers, your protection from the many risks you face in the workplace.
Before we go any further, it’s important to note that this insurance is not intended for full-time school teachers within a school district. If you’re employed by a school district, the district will likely have insurance that covers incidents in your classroom. Instead, this is designed for home school teachers or tutors who help students of any age prepare for a standardized test, like the SAT or GRE.
Say, for instance, that you are teaching an adult student a certain skill set. Why? Because they need this skill set to get a job they’re gunning for. When they go to showcase what they’ve learned, they fail, which results in rejection. They blame you for negligence, claiming that your faulty advice—and not their own mistakes—is why they didn’t get the job and lost the money they would’ve otherwise made.
Or if you’re doing private teaching at a client’s home and you accidentally spill your coffee on their beautiful white rug. Now, your client wants you to pay for third-party property damages.
Unfortunately, these mistakes and mishaps happen. And you deserve to work with the peace of mind knowing you’re protected. That’s why every professional teacher needs a general liability insurance and professional liability insurance policy.
How much does liability insurance for teachers cost?
Teacher Liability Insurance through Thimble is affordable, flexible, and tailored to you.
What makes Thimble stand out as an insurance provider? Firstly, we offer policies where you can pay by the hour, day, or month. That means you pay only when you’re working—never when you’re off the clock. You can also add Additional Insureds and generate as many COIs as you need, completely free of charge.
What are you waiting for? With Thimble, you can get a quote in under 60 seconds. So, sign up and get covered!
What is covered under the teacher liability insurance policy?
Thimble’s Liability Insurance for Teachers, which includes General Liability and Professional Liability, is structured to shield teachers from various risks, including:
As you move from classroom to classroom, you are never completely sure how sturdy the desks and chairs will be. Additionally, any number of things could happen that result in one of your pupils incurring an injury. Should bodily injury occur, you could be the one that’s liable.
3rd Party Property Damage
As you’re constantly on the move and going to your clients’ houses, there’s always a risk that you might damage their property. If you do indeed incur third-party property damage, you could be held liable for the repairs or replacement.
You often have to lug around your teaching equipment. Should you accidently leave your bag out and a student injures themselves, it might escalate to the courtroom.
A freak accident resulting in medical attention. Whether it was due to something you did or an occurrence that had nothing to do with you—if one of your students needs medical attention due to something that happened on your watch, you could be at fault.
Errors & Omissions
While rendering your services, one of your clients can claim that you acted negligently, thus causing them financial loss. If your practice leads to an upset customer, one that thinks your teaching was inadequate (and that directly lost them money), you could be accused of negligence.
How quickly can I get a Certificate of Insurance?
With Thimble, you can get your Certificate of Insurance instantly. The process is fast—like less than 60 seconds fast. Answer a few easy questions, input your ZIP code, choose your desired coverage length, receive a quote, purchase a policy, and get your COI instantly.
You can receive a digital copy to print or access all of your COIs on the go through the Thimble mobile app. There’s no limit to how many you can download, and every copy is free (free is good).
At Thimble, our goal as an insurance provider is to ensure that you’ve got proof of coverage on hand the moment you need it.
What are the Liability Insurance for Teachers policy limits?
Thimble offers policy limits of $1,000,000 and $2,000,000. The price of your coverage is largely dependent on the risk you’re willing to take.
Does Thimble’s Liability Insurance for Teachers cover damage to my equipment?
General liability insurance for teachers won’t cover damage to your items caused by you or your students. Instead, you’ll need to purchase a personal property policy.
How do I get Liability Insurance for Teachers with Thimble?
With Thimble, obtaining Liability Insurance for Teachers is a walk in the park. Simply visit the website, select “get a quote” or download the app. Input your information, select from the offered insurance plans and you’re set. The app was designed for usability, speed, and convenience.
Consultants & Freelancers insurance protects your business from lawsuits, if you or your property accidentally hurts a third party or damages their property.
- AV Installation
- Business Consultants
- Car AV Installation
- Classroom Instruction
- Computer Programming
- Computer Repair
- Creative Directors
- Financial Consultants
- Graphic Designers
- House Sitting
- Interior Decorating
- IT Consultants
- Marketing Consultants
- Personal Shoppers
- Photography & Videography
- Sound Recordists
- Web Developers
- Sign Installation
- Adult Film Operations
- Alarm System Monitoring
- Any acts or services performed by an unlicensed or uncertified insured if such licensing or certification is required by law
- Babysitters and Nannies
- Elderly Care
- Financial Planners
- Home Health Care
- Importing, manufacturing, growing, distributing, storing, selling, using, or ingesting marijuana or any product of the plant Cannabis Sativa L. (whether or not it is the main ingredient or used in combination with other ingredients)
- Investment Advisors
- Mortgage Bankers or Investment Bankers
- Registered Representatives or Brokers/Dealers of Securities or Commodities
- Rideshare Drivers
- Roadside Assistance
- Security Guards
- Traffic Control
- Training or Instruction Demonstrated on Real Patients
What's Not Covered by Your Policy
- Activities Involving Firearms
- Performing Work over Three Stories in Height (30 feet)
- Work on 10 or More New Homes or New Residential Units in Any One Project or Development
- See full policy for details