Driving School Insurance Coverage Checklist
The coverages a driving school business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for driver education schools. Priorities reflect typical exposure; confirm against students and vehicles.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Commercial Auto (Training Vehicles) | Covers crashes during lessons — confirm student drivers are covered. | Core | |
| Abuse & Molestation | Covers claims of instructor misconduct with minors — often excluded elsewhere. | Core | |
| General Liability | Covers classrooms and premises. | Core | |
| Professional Liability | Covers claims of improper training or testing. | Prevalent | |
| Hired & Non-Owned Auto | Covers lessons in students' own vehicles. | Situational | |
| Workers' Compensation | Covers instructors. | Core |
The coverage gap most often missed
The most commonly missed gap for this class is abuse and molestation. Instructors spend hours alone in cars with teenagers, and many auto and general liability policies exclude misconduct claims. Schools should carry dedicated abuse coverage, screen every instructor, and confirm the auto policy covers student drivers.
Send us the checklist and we'll review your driving school coverage line by line, then market it across multiple carriers that compete for your account.
Related: Driving School Insurance · Driving School Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a driving school business need?
The core coverages for a driving school business are Commercial Auto (Training Vehicles), Abuse & Molestation, General Liability, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my driving school coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.