Teachers Insurance

(Educators Professional Liability Insurance)

A teacher with a book pointing to a board.

 Types of Teacher’s Insurance

Add-Ons and Bundles


Teacher’s Insurance Coverage Offered for Various Types of Educators


  • Tutors
  • Education Consultants
  • Preschool Teachers
  • Career Counselors
  • Driver’s Ed Teachers
  • Special Education Teachers
  • High School Success Coaches
  • Life Coaches
  • Daycare Teachers
  • Home School Communicators
  • Social Workers
  • Yoga Teachers
  • Dance Teachers
  • Family Planning Community Workers
  • Hospice Workers
  • Child Care Providers
  • ESL Teachers
  • Speech-Language Pathologists
  • Career and Technical Education Teachers
  • Teacher’s Aides or Assistants
  • Library Technicians and Assistants
  • Virtual Education Programs
  • Home Care Workers
  • Non-Union Paying Teachers

What Does Teachers’ Professional Liability Insurance Mean And How Will I be Protected?


Unfortunately, allegations are becoming all too common.  So, this is part of the reason why it’s important to have Teacher’s Insurance. 

But, it’s also important because the cost of claims can run high.  Allegations, for instance, can be up to $25,000 dollars.  As a result, this can devastate a private educator’s small business or service.

But, with Professional Liability Insurance as an educator you will be protected from a number of allegations.  Some of which include: the failure to educate or meet your duties,  student injuries, false or misleading claims, and inaccurate advice.

However, it is important to understand that Professional Liability Insurance only covers these types of claims.

If you run a business or service-based program as an educator it will not cover certain items.  For instance, it does not cover property damage or medical bills from your employees.

So, you may want to make sure that you are protected from other incidents that could harm your business and your employees.  Be sure to scroll further down to check out our additional insurance policies for private and service-based educators.

Why It’s Important for Teachers to Have Insurance


Most districts offer insurance policies to teachers.  Thus, many teachers are insured by their district.  However, in some cases, the district’s insurance doesn’t cover you as an individual teacher

Why?  Because the district has to negotiate with the insurance companies.  As a result, there may be some items that the district can’t cover because of costs. 

Also, simply relying on the district’s insurance alone will not protect you from allegations that you are specifically charged with.

In some cases, this can be bad.  Especially, because lawsuits involving teachers and schools have been on the rise.

Professional Liability Insurance as an educator can help protect you against allegations including:

  • Your failure to give students credit
  • Injuries of students under your supervision
  • And, claims stating you’ve failed to educate students

Again, this is why Professional Liability Insurance can benefit you as an educator.

If You’re Not an Educator Working for A School District, You Will Still Need Teachers Insurance


Teacher’s working for a school district most likely will not need Professional Liability Insurance because their district will cover most of their insurance. 

However, if you are a private or service-based educator you will need Professional Liability Insurance.

Why?  Because you aren’t working for a school district that provides insurance coverage.

Further, this means you’ll need to get your own coverage.  As explained above, Professional Liability Insurance is the type of coverage you will need for basic protection at your workplace.

Things to Consider When Purchasing Teachers Insurance


The rate of lawsuits has increased.

Therefore, it’s best to make sure that you are covered in case someone decides to file an allegation against you.

Situations happen that may be out of your control.

For example, let’s say you are a child care provider.  So, you’re babysitting a child and decide to take them to a park.  Then, the child gets hurt.  As a result, the parents end up suing you for negligence.  In other words, situations like these arise all the time.  So, if you aren’t covered you’ll have to pay the child’s injury bill.

Professional Liability Insurance can support you when you need it the most.

Certainly, it’s best to play it safe when it comes to insurance.  In other words, Professional Liability Insurance as a educator can help you continue to do great work in the classroom without having to worry about anything other than your instruction.  As a result, it will help you save money on unnecessary expenses.

checkboxes on a page to show reasons to purchase teacher's insurance

Get a free quote to see how much you’d pay


There are a range of factors that may influence your quotation.  For example, your area of practice, the number of employees you have, and how much you pay them, can all have an impact on your insurance quote. 

Above all, it is our goal to give you a fair and accurate estimate.  Below, we’ve provided a place where you can input this information.

So, if you’re interested in customizing your quote to see what your rate would look like, click on “Customize Quote” below.

Other Types of Insurance Policies For Private and Service-Based Educators

Even Professional Liability won’t cover certain work mishaps.  If you are a private or service-based educator you may want to see additional policies that may suit you or your businesses needs:

Worker's Compensation Insurance

Firstly, the price of this policy depends on the number of workers in your business and the occupational risk.  This means it can range anywhere between $800-$1200 per year.  Notably, it covers medical bills from job-related injuries and wage replacements for recovery time.

Abuse & Molestation Coverage

This policy isn’t usually covered under General or Professional Liability Insurance.  However, that doesn’t mean it’s not needed.  If you are a child service provider, this policy may be especially beneficial for you.  Through this policy you are covered for allegations including physical abuse, sexual or other bodily harm, and verbal or emotional abuse.

Commercial Property Insurance

This policy is helpful if you are a business owner and own your own building.  More importantly, you’ll be covered if there is a fire or explosion, theft, or vandalism.  Also, for this type of insurance, you should expect to pay $500-900 a year.  But, take note that this pay range will be dependent on your building’s property value.


Many insurance plans are commonly bundled together for simplicity and a cheaper rate.

Business owner’s policy (BOP)

A popular option for small businesses like clothing boutiques that combines Commercial General Liability insurance with Commercial Property insurance, usually at a cheaper price than if the two were purchased separately.

Frequently Asked Questions

Do we insure people with many claims?

Yes! We have select carriers for people who have many claims or a bad record.

What payment methods do we accept?

We accept payments through a mortgage, direct billing through mail, EFT (Bank Account), debit and credit cards.

How can I file a claim?

 We strongly recommend calling us before the insurance carrier directly about a claim. You may not want to file a claim depending on your insurance plan. However, we will assist you in filling a claim the best way to make sure you take the least amount of damage possible to your insurance score. After talking with us, you can call the insurance carrier or let us call them for you.

If you can’t find your answer here, please don’t hesitate to ask a representative through our messaging system or email.