Looking for Driving School Insurance?
Protect your driving school from vehicle accidents, student injuries, liability claims, and property damage. Harper provides insurance for driver education programs, CDL training schools, motorcycle instruction, and defensive driving courses, with fast certificates for licensing boards, lenders, and facilities.
What is Driving School Insurance?
Driving school insurance protects instruction-based driving programs against risks such as vehicle accidents, student injuries, professional liability claims, and property damage. Coverage commonly includes commercial auto, general liability, and professional liability. State licensing boards, vehicle lenders, and facility owners often require proof of insurance before issuing licenses or financing training vehicles.
Commercial Auto Coverage
Covers training vehicles, accidents involving student drivers, instructor liability, and physical damage to vehicles used for instruction.
Instruction Liability
Protects against claims alleging negligent instruction, inadequate training, or errors made during driver education programs.
Student Safety Coverage
Covers injuries to students during behind-the-wheel instruction or classroom-based training sessions.
Certificates
Fast proof of insurance for state licensing boards, vehicle lenders, and classroom or training facility owners.
Who Needs Driving School Insurance?
- Driver education schools : Businesses requiring specialized insurance coverage
- CDL training programs : Businesses requiring specialized insurance coverage
- Motorcycle instruction providers : Businesses requiring specialized insurance coverage
- Defensive driving and safety schools : Businesses requiring specialized insurance coverage
Why Harper?
Driving Instruction & Training Expertise
Driving schools face heightened risk due to student drivers, training vehicles, and regulatory oversight. Harper understands the exposure associated with driver education, CDL training, and motorcycle instruction and offers coverage designed for real-world training environments.
Fast Proof for Licensing & Financing
State licensing boards and vehicle lenders often require proof of insurance before approving licenses or financing training vehicles. Harper delivers accurate certificates quickly to keep programs compliant and operational.
Clear, Practical Guidance
We explain commercial auto, professional liability, and student safety coverage clearly so you understand how insurance protects your instructors, students, and vehicles.
Coverage Matched to Your Instruction Program
Whether you offer basic driver education, defensive driving courses, CDL training, or motorcycle instruction, Harper helps align coverage with your program structure and vehicle use.
Frequently Asked Questions
What insurance do driving schools need?
Most driving schools need commercial auto insurance for training vehicles, general liability to cover student injuries, and professional liability to cover instruction-related claims. Workers' compensation is required in most states for employers or instructors.
Is driving school insurance required?
Yes. State licensing boards typically require commercial auto and liability coverage before issuing or renewing driving school licenses.
How much does driving school insurance cost?
Costs vary by fleet size, instruction type, and student volume. Small schools may pay $3,000–$8,000 annually, while multi-vehicle or CDL programs often range from $8,000 to $20,000 or more.
Does insurance cover student accidents?
Commercial auto liability coverage applies when students are involved in accidents while driving training vehicles under instructor supervision, subject to policy terms.
Does insurance cover instructor errors or negligence?
Professional liability coverage may apply to claims alleging negligent instruction, improper training, or failure to meet instructional standards.
Can I add landlords or facilities as additional insureds?
Yes. Classroom leases and training facilities often require that we be added as additional insureds. Harper assists with certificates and endorsements to meet facility and licensing requirements.