Professional Liability Insurance for Tutors
Quote and buy professional liability insurance online in minutes.
What is professional liability insurance for tutors?
As a professional tutor, you work hard to help students reach their goals, whether that means improving grades, preparing for exams, or building confidence in a challenging subject. But even with your best efforts, a client might claim your services caused harm. For example, they may say a student failed to gain admission to a program because of your tutoring, or accuse you of giving incorrect guidance.
Even if the claim isn’t valid, you could still face legal defence costs. That’s why EasyCover offers tutors professional liability insurance, also called errors and omissions (E&O) insurance. This coverage is designed to help protect you from lawsuits related to your professional services or advice. It gives you the support you need to continue tutoring with confidence.
Interested in purchasing your professional liability online in minutes?
Acera Insurance offers EasyCover where you can get a quote, bind your policy and pay online in only a few short minutes. Get comprehensive coverage and affordable rates quickly and easily.
Here are some of the benefits of EasyCover:
- Get free online quotes 24/7
- No long, confusing applications to fill out
- Purchase and manage your policy online
- Support by phone, email or chat
- Option to bundle with other coverages
What does professional liability insurance for tutors cover?
Tutors professional liability insurance helps cover legal costs if a client claims your services caused them financial harm. This could include lawsuits related to alleged misinformation, missed academic goals, or disputes over your teaching methods or results.
If a student or parent believes your guidance led to poor outcomes, such as a failed course or lost scholarship, you could be held responsible. As long as there was no intentional wrongdoing, your policy can help cover legal defence, settlements, and judgments, up to your policy limit. It’s an important safeguard for your tutoring business.
How much errors and omissions coverage do professional trainers need?
Even a single claim can lead to unexpected costs that may be difficult to recover from. Professional liability insurance can help cover legal defence costs, along with settlements or judgments, up to your policy limit.
With EasyCover, you can choose from three levels of coverage:
- $1 million
- $2 million
- $5 million
These limits represent the maximum payout for all claims within a 12-month policy period. The right amount depends on the types of students you work with, the complexity of the subject matter, and the possible consequences of a mistake. This could include a lost scholarship, academic penalty, or reputational harm.
Each covered claim includes a deductible, typically between $250 and $1,500 based on your revenue. For example, if your deductible is $500 and you have two covered claims in one year, you would pay $1,000 total. Your insurance would cover the remaining legal costs up to your policy limit.
E&O Insurance for Tutors
With EasyCover by Acera Insurance, we insure a wide range of education and tutoring professionals, including:
- Academic Tutors
- Private Tutors
- Online Tutors
- Educational Consultants
- Test Preparation Coaches (e.g., LSAT, MCAT)
- Curriculum Designers
- Learning Strategists
- Study Skills Coaches
- Adult Education Instructors
- Higher Education Consultants
Tutors E&O Claims Examples
Unmet Academic Results
A parent alleges that their child did not achieve the expected academic improvement under a tutor’s guidance. They claim the student’s poor exam performance cost them the opportunity to enroll in several educational programs and seek compensation from the tutor.
Inconsistent Instruction
A tutor frequently cancels or arrives late to scheduled sessions. As a result, the student falls behind in the learning plan. The parents terminate the contract and hold the tutor responsible for wasted time and the child’s academic setback.
Breach of Privacy
In an effort to explore new teaching methods, a tutor shares details about a student’s learning challenges with colleagues without consent. When the parents discover this, they sue the tutor for breaching their child’s privacy.
Professional liability insurance rates: top factors for tutors
Your insurance rates may vary compared to other tutors. This depends on several aspects of your business, including:
- The subject areas and grade levels you teach
- The number of students or clients you support
- Your past insurance claims history
- Your selected coverage limits and options
- Whether you tutor independently or hire other instructors
- The province(s) where you offer services
With EasyCover’s online tool, you can quickly get a quote and see how much your professional liability Insurance will cost
What is the cost of E&O insurance for trainers and educational consultants?
Professional liability insurance costs for tutors depend on their role, specialization, and income, as well as the other factors outlined above.
- An academic tutor earning $38,000 annually could see premiums starting around $330 for $1 million in coverage, or $495 for $2 million.
- An online tutor with an annual salary of $51,000 can expect premiums beginning at approximately $660 for $2 million in coverage.
- A higher educational consultant specializing in niche areas and earning over $100,000 per year would likely see premiums starting near $858 annually.
Use our quick quote tool to get an instant E&O estimate. If the price works for you, you can secure your coverage online in just minutes.
Risk management strategies for tutors
Proactive strategies are the best way for tutors to support student success, build parent trust, and reduce the risk of misunderstandings, privacy breaches, or disputes over performance outcomes.
Clear Communication
Make sure students and parents understand what to expect from your sessions. Be clear about schedules, fees, lesson goals, cancellation policies and responsibilities. This is especially important when working with minors, as communication may involve both the student and their parent or guardian. Confirm important details in writing to avoid misunderstandings.
Record Keeping
Keep a log of each session, including topics covered, resources shared, and any concerns raised. For online tutors, it can be helpful to save copies of lesson recordings (if permitted), screen shares, or chat transcripts. Maintaining these records provides protection if a dispute arises and helps track student progress over time.
Quality Standards
Use up-to-date resources that align with provincial curricula, standardized tests, or institutional requirements. Whether you’re preparing a student for the BC Provincial Exams, the LSAT, or university coursework, using recognized materials can help reduce liability and improve outcomes.
Boundaries and Ethics
Maintain clear professional boundaries, especially when working one-on-one with students. Avoid making guarantees about grades or outcomes, and ensure your conduct is always respectful and appropriate. Tutors who work with children may also want to carry background checks to build trust with families.
Why tutors depend on EasyCover and Acera Insurance for their E&O coverage
Tutors across Canada choose EasyCover by Acera Insurance because we understand the unique risks of your profession. Our professional liability insurance is designed to give you reliable protection at competitive rates. You can trust us to be there when it matters most, with personalized support for both your coverage and claims.
We also offer additional liability coverage for tutors.
Commercial General Liability
This standard business insurance helps cover costs if someone is injured or their property is damaged due to your negligence. For example, a student or parent slipping on your steps while arriving for a session. Keep in mind that CGL doesn’t cover injuries to any employees or damage to your own property.
Cyber Liability
Cyber coverage is important for tutors who collect or store student information online. It can help with recovery costs after a data breach or cyber-attack, including legal fees, notification expenses, public relations, and regulatory fines, up to your policy limit.
Ready to get your free tutors errors and omissions insurance quote?
Simple answer a few questions to immediately receive a quote, bind your policy and pay online in only a few short minutes.