Tutor Insurance

Get an insurance policy by the hour, day, or month in 60 seconds.


General Liability

Professional Liability

$1,000,000 Limit


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Tutor Insurance - Simplified.

Why do I need a Tutor Insurance policy?

As a tutor, you travel all across your city to meet your students, and in each session, you strive to make sure they acquire the skills they need to succeed in school, on standardized tests, and beyond. You get to see them overcome obstacles and develop confidence in each session.

You deserve to feel that same confidence in the face of potential obstacles as an independent tutor. After all, whether you’re taking responsibility for someone’s home or their teenager’s college admissions results, there’s always the possibility that things will go wrong.

When you work at a student’s home, a small mistake like leaving your backpack in a place where someone trips could result in a medical bill well beyond your hourly rate, and even a bodily injury claim. If you don’t have a Tutor Insurance policy, you might be personally responsible for paying these costs, along with the costs of a lawyer and other legal fees. The stress and expense might make it impossible to keep your business running.

Beyond injury, you run the risk of property damage: you could also be held liable for knocking over the antique vase on a client’s kitchen counter. If you damage any property during time on the job, they can sue you.

When your clients are minors, their parents are prone to be protective—and litigious. Safety isn’t the only thing you have to worry about: if one of your students bombs a test after all your hard work together, their parents might blame you, bringing a professional negligence lawsuit alleging that you failed to adequately explain the quadratic equation, or lacked the know-how to get your student to focus.

It’s clear: tutors need general liability and professional liability insurance. General liability insurance protects tutors from any third-party claims of property damage or bodily injury that arise from their work in homes or their offices. Professional liability insurance protects tutors from claims of negligence or errors that may arise in the course of their work.

Prepare yourself in the face of obstacles. Protect your business with Tutor Insurance from Thimble and work with the confidence that comes with knowing you’re protected from risk.

How much does Tutor Insurance cost?

The policy rate for Thimble’s Tutor Insurance is based on the level of risk incurred by your business, as determined by your specific location, company size, and the coverage limit you select. Our Tutor Insurance rates are calculated based on the amount you actually work, making it incredibly affordable—you can pay by the hour, day, or month. In addition, you can add Additional Insureds if you work with other tutors or employees and get as many Certificates of Insurance as you need, instantly, for free.

Get a Quote

Protect your tutoring business with flexible, on-demand or monthly insurance coverage from Thimble. Get your free Tutor Insurance quote now.

What is covered under the Tutor Liability Insurance policy?

You’re tutoring a student in their home, making corrections to their paper as they work. Unfortunately, your pen has started to leak, and you notice it’s not just your hands that are covered in red ink, but also their parents’ sandalwood dining room table. The clients expect you to reimburse them for the table in full.

Bodily Injury

Your client meets you in your office for a tutoring session during which you have to give him a talking-to about his lack of serious studying in the face of failing grades. He begins to cry, running out of the office and banging his wrist on the doorframe in the process. He expects you to cover the cost of his ER visit and rehabilitation.

3rd Party Property Damage

You’re tutoring a student in their home, making corrections to their paper as they work. Unfortunately, your pen has started to leak, and you notice it’s not just your hands that are covered in red ink, but also their parents’ sandalwood dining room table. The clients expect you to reimburse them for the table in full.

Defense Costs

After months of work on a college admissions essay, your student submitted a plagiarized personal statement to all fifteen of their target schools, and now they’ve been rejected from every school and have no prospects of earning a college degree. Their parents bring a lawsuit against you. As the case goes to trial, you have to pay for an attorney, even if it’s ultimately found that you never laid eyes on the plagiarized essay the student submitted.

Medical Coverage

You bring a candybar to your student’s home, and her parents have neglected to inform you of her little sister’s peanut allergy. When she begins to feel swelling in her throat, she panics as she struggles to find her EpiPen. You call 911, and her parents expect you to cover her medical costs.

Errors & Omissions

Your student was on academic probation. You tried to reschedule a few tutoring sessions, but when the student couldn’t make their calendar work with yours, you canceled the meetings. They lost their swimming scholarship after failing another semester of statistics, and now they’re suing you for negligence.

How quickly can I get a Certificate of Insurance?

You can get a Certificate of Insurance instantly. At Thimble, getting your free insurance quote and purchasing your insurance policy takes less than 60 seconds. Your Certificate of Insurance will be sent to your inbox just moments later.

Are you hoping to attend a college orientation fair to market your tutoring services, or begin leasing office space to meet with students? An event manager or landlord will want to see your Certificate of Insurance. After signing up with Thimble, you can have it ready within seconds.

With Thimble, you can schedule your coverage to begin on any date—say, the first day of your lease or the orientation fair—up to six months in advance. With the Thimble app, you can view your Certificate of Insurance before your coverage even begins. If you don’t ultimately need the insurance, you can cancel your policy penalty-free up to 1 hour before coverage is set to begin.

You can easily make changes to your policy in the Thimble App, adding or modifying Additional Insureds whenever you need.

What are the Tutor Insurance policy limits?

With Thimble, you can select a coverage limit of $1 million or $2 million, depending on your needs. The $2 million dollar policy provides double the coverage, protecting you even more in the face of any scenario your tutoring business might encounter.

Are workplace injuries of my subcontractors or staff covered?

No—General Liability insurance does not provide injuries to any other tutors you might hire to take on extra work. It only covers injuries to third parties. If you hire other tutors or staff to help cover your clients’ needs, you may want to purchase a worker’s compensation policy that provides coverage for accidental injuries to employees and subcontractors.

Does Thimble’s Tutor Insurance cover damage to my equipment?

No. General Liability insurance only provides coverage for damage to your clients and to third parties. If you use a laptop, tablet, or graphing calculators in the course of your tutoring, or drive a vehicle just for work, you might consider purchasing a commercial property or auto insurance policy.

What is an Exposure Period? / How long am I covered?

After the date on which your coverage ends, you’re still covered beyond the policy period through an Exposure Period. If a claim is filed in the year following a tutor session regarding the services performed within your initial policy period, you’re still covered.

How do I get Tutor Insurance with Thimble?

You can get covered by Thimble Tutor Insurance in just 60 seconds. Using our app or our website, you’ll answer a few questions about your tutoring services, your ZIP code, and your desired policy length (hourly, daily, or monthly). Within seconds, you’ll receive a quote outlining your Tutor Insurance costs. With just a click, you can complete your purchase and receive your Certificate of Insurance.

Get your Tutor Insurance quote now.


Have questions? Visit our FAQ

Consultants & Freelancers insurance protects your business from lawsuits, if you or your property accidentally hurts a third party or damages their property.

  • Bodily Injury
  • Property Damage
  • Legal Defense
  • Medical Payments

Covered Activities

  • AV Installation
  • Business Consultants
  • Car AV Installation
  • Classroom Instruction
  • Computer Programming
  • Computer Repair
  • Creative Directors
  • Graphic Designers
  • House Sitting
  • Interior Decorating
  • IT Consultants
  • Marketing Consultants
  • Personal Shoppers
  • Photography & Videography
  • Sound Recordists
  • Speakers
  • Web Developers
  • Writers

Optional Add-Ons

  • Printing
  • Sign Installation

Excluded Activities

  • 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
  • Bouncers
  • Elderly Care
  • Financial Consultants
  • 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)
  • Inspectors
  • Investment Advisors
  • Lifeguards
  • 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

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  • New Crew Member
  • Policy Extended
  • Additional Insured

Full Control

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