Whether you are starting a tutoring business or already run one as an independent in-home tutoring business, privately contracted tutor or owner of a learning center franchise, you assume a considerable amount of risk throughout your everyday course of business.
Private practice educators should be aware of the amount of risk/exposure they assume and here’s why….
WHAT ARE YOU RISKING?
Many independent educators especially those starting a tutoring business are unincorporated “sole proprietors”. In this case, personal assets including your home and bank account could be subject to seizure to pay a judgment relating to a dissatisfied parent or student.
SEXUAL ABUSE AND MOLESTATION EXPOSURE…
Anyone who works alone with children bears the risk of unwarranted allegations of sexual abuse or molestation. It is an uncomfortable truth that educators can be subject to allegations of this nature. You can’t be all places at all time. You do your best to vet your employees, but situations can and do occur.
EDUCATORS PROFESSIONAL LIABILITY…
School Districts generally can’t be sued for allegations of Educational Malpractice. This places the independent educator in the cross hairs of a dissatisfied parent, even if they are not actually at fault.
OOPS – SLIPS AND FALLS…
Any educator bringing clients to their home or office can be subject to claims arising out of bodily injury at their location, such as “slip and fall” injuries.
Educators are finding themselves involved in lawsuits at an alarming rate. Besides costing you money, lawsuits take up your valuable time. The right insurance program will not only cover those legal bills, it will also help you through the process so you can get back to work and back to your life.
Traditionally, homeowner or personal umbrella polices will not respond to claims resulting from an individual’s business endeavors, but a Business Insurance policy will protect you.
Intermarket Insurance EDU-PRO Policy Coverages
|General Liability||Sexual Abuse and Molestation|
|Corporal Punishment||Teachers Errors and Omissions Coverage|
|Hired & Non-Owned Auto Coverage||Blanket Additional Insured Endorsement|
|Above coverages are included as part of our EDU_PRO package policy|
|Additional Available Coverages|
|Commercial Property Coverage||Commercial Auto Coverage|
|Commercial Umbrella Coverage||Commercial Auto – Student Transportation|
|Tenants Improvements and Betterments||Employment Practices Liability|
Please email or call Vicky Hanley for further information: