Specialty Coverage
Test prep tutoring carries some of the highest professional liability risk of any tutoring specialty. When a student misses their target score, parents look for someone to blame — and you may be it. Get protected starting at $200/yr.
Get a Test Prep Tutor Quote →College admissions test prep is high-stakes. Families pay hundreds or thousands of dollars for SAT and ACT tutoring with a specific score improvement in mind. When results fall short — even due to test anxiety, illness, or factors completely outside your control — professional liability claims against test prep tutors are more common than in other tutoring specialties. Professional liability (E&O) coverage is essential for anyone working in test prep.
Example claim: A student completes 20 sessions of SAT prep with you. On test day, they score 150 points below their target and miss the cutoff for a scholarship program. The parents file a claim against you, alleging your tutoring was negligent and that they suffered a financial loss equivalent to the scholarship amount. Without professional liability coverage, you pay legal defense costs out of pocket.
The most important coverage for test prep tutors. Covers claims that your tutoring was negligent or that you failed to meet a reasonable standard of care.
Covers physical injury or property damage during in-person sessions — whether you tutor at your location or travel to a student.
SAT and ACT tutoring increasingly happens online. Your policy covers you regardless of whether sessions are in-person or virtual.
Individual test prep tutors can buy online and get a certificate of insurance the same day — including adding schools as additional insureds.