Looking for Educational Services Insurance?
Protect your educational business from student injuries, professional liability claims, abuse allegations, and property damage. Harper provides insurance for tutors, test prep companies, educational consultants, and enrichment programs, with fast certificates for schools, facilities, and parents.
What is Educational Services Insurance?
Educational services insurance protects tutors and educational providers from risks including student injuries, instructional errors, allegations of abuse, and premises liability. Coverage commonly includes general liability, professional liability, and abuse and molestation coverage. Schools, facilities, and parents often require proof of insurance before allowing outside educational services.
Student Safety Coverage
Covers injuries to students during tutoring sessions, classes, workshops, or educational activities.
Professional Liability
Protects against claims alleging instructional errors, educational negligence, or failure to meet expected teaching standards.
Abuse & Molestation Coverage
Provides protection against allegations of abuse, inappropriate conduct, or misconduct involving students.
Certificates
Fast proof of insurance for schools, facilities, partner organizations, and parents.
Who Needs Educational Services Insurance?
- Tutoring services : Businesses requiring specialized insurance coverage
- Test preparation companies : Businesses requiring specialized insurance coverage
- Educational consultants : Businesses requiring specialized insurance coverage
- Enrichment and after-school programs : Businesses requiring specialized insurance coverage
Why Harper?
Education & Youth Program Expertise
Educational providers work closely with students, often minors, in structured learning environments. Harper understands the risks associated with instructional quality, student safety, and supervision and offers coverage designed for education-focused businesses.
Fast Proof for Schools & Facilities
Schools and facilities often require proof of insurance before approving external instructors or programs. Harper delivers accurate certificates quickly to support contracts and scheduling.
Clear, Practical Guidance
We explain general liability, professional liability, and abuse coverage in clear terms so you understand how insurance protects your services and reputation.
Coverage Matched to Your Teaching Model
Whether you offer tutoring, test prep, STEM education, arts programs, or enrichment services, Harper helps align coverage with how you teach and where instruction takes place.
Frequently Asked Questions
What insurance do educational service providers need?
Most providers need general liability for student injuries, professional liability for instruction-related claims, and abuse and molestation coverage when working with minors. Workers' compensation is required if you have employees.
Is educational services insurance required?
Often, yes. Schools, learning centers, and facilities typically require liability and abuse coverage before allowing outside educational programs.
How much does educational services insurance cost?
Solo tutors may charge $300–$800 annually, while educational companies typically charge $1,500-$5,000 or more, depending on student volume and services offered.
Does insurance cover student injuries?
General liability coverage may apply to injuries that occur during instruction when proper supervision and safety measures are in place.
Does insurance cover abuse allegations?
Abuse and molestation coverage is designed to protect against allegations involving students, including legal defense costs, subject to policy terms.
Can I add schools as additional insureds?
Yes. School partnerships often require being added as additional insureds. Harper handles certificates and endorsements for compliance.