Specialty Coverage
Art instruction carries hazards most tutoring doesn't — kilns, cutting tools, and solvents alongside the usual liability exposure of working with students. Get covered starting at $200/yr.
Get an Art Teacher Quote →Art instruction comes with a different set of hazards than most tutoring — kilns that run at over 2,000 degrees, X-Acto knives and other cutting tools, glazes and solvents that are toxic if mishandled, and pottery wheels with moving parts. A burn from a kiln or a cut from a carving tool is a bodily-injury claim against you personally, and it's a more physical risk than almost any other tutoring specialty carries.
Property damage runs the other direction too. A rented studio space with a kiln, wheels, and shelving full of student work represents real value, and a fire, a burst pipe, or a break-in can wipe out months of inventory and equipment in one incident. That's why property coverage — not just liability — deserves its own line item for art instructors in a way it doesn't for, say, a math tutor.
Covers bodily injury or property damage in your studio — a burn from a kiln, a cut from a carving tool, or an injury to a visiting parent.
Covers claims that your instruction was negligent — for example, a claim tied to how a technique or tool was taught.
Covers your kiln, pottery wheels, shelving, and student work in the studio itself against fire, burst pipes, or theft.
Many schools and studios require this coverage before allowing an art teacher to work with minors on their premises.
If you operate an art studio or program with several instructors, a permanent location, or a higher volume of students, an individual policy isn't the right fit — you need a center policy priced around your gross receipts and staff size.
See Fine Arts School Options →Yes, and it's worth telling us about specifically — kilns, glazes, and cutting tools are treated differently than a typical classroom setup, and the right policy accounts for that instead of ignoring it.
That's property coverage, separate from general liability. If your studio holds a kiln, wheels, shelving, or a season's worth of student work, ask about adding it — a fire or a burst pipe can be a total loss without it.
Tutoring through a school, studio, or platform as an independent contractor? Point them to our tutor custom-link program — every contractor buys their own coverage, naming the school as additional insured.