Tutoring Business Insurance Coverage Checklist
The coverages a tutoring business 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 tutoring companies, learning centers, test-prep, and admissions-counseling firms. Priorities reflect typical exposure; confirm against where sessions happen and who the students are.
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 |
|---|---|---|---|
| Abuse & Molestation | Covers misconduct allegations involving students — most GL policies exclude or sublimit it. | Core | |
| Professional Liability (E&O) | Covers claims that instruction, assessments, guarantees, or admissions advice caused harm. | Core | |
| Commercial General Liability | Covers injuries at learning centers and in students' homes. | Core | |
| Cyber Liability | Covers student data and online tutoring platforms, including children's data. | Prevalent | |
| Hired & Non-Owned Auto | Covers tutors driving to students' homes or transporting students. | Prevalent | |
| Employment Practices Liability | Covers claims from tutors and staff, including contractor misclassification. | Situational | |
| Workers' Compensation | Required in most states if the business has employees. | Situational |
The coverage gap most often missed
The most commonly missed gap for this class is abuse and molestation coverage. Private tutoring is largely unregulated, yet tutors often work one-on-one with children in homes, small rooms, and online — and general liability typically excludes or tightly caps abuse claims. Schools and districts that hire tutoring companies increasingly require specific abuse limits. Fingerprint background checks, no-outside-contact rules, visible or recorded sessions, and a confirmed abuse limit are the core protections.
Send us the checklist and we'll review your tutoring business coverage line by line, then market it across multiple carriers that compete for your account.
Related: Tutoring Business Insurance · Tutoring Business Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a tutoring business business need?
The core coverages for a tutoring business business are Abuse & Molestation, Professional Liability (E&O), Commercial General Liability. 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 tutoring business 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.