Pricing

How much does tutor insurance cost?

Individual tutor policies start around $200/yr. Tutoring center pricing is based on gross receipts. Here's what affects your price.

Estimated Starting Prices

๐Ÿ‘ค

Individual Tutor

~$200/yr

Includes both general liability and professional liability. Price varies by state.

  • โœ“General liability included
  • โœ“Professional liability (E&O) included
  • โœ“Add-on: cyber / abuse coverage
  • โœ“Buy online, same-day coverage
Get a Quote Online โ†’
๐Ÿซ

Tutoring Center

Custom

Priced based on gross receipts, number of tutors, and location. Submit an application for a quote.

  • โœ“Based on annual gross receipts
  • โœ“Covers multiple tutors
  • โœ“GL, E&O, abuse, cyber options
  • โœ“Quote within 1 business day
Submit Center Application โ†’

What affects your tutor insurance price?

State

Insurance is regulated at the state level. Prices vary significantly โ€” California and New York tend to be higher than lower-population states.

Coverage types

Adding cyber liability or abuse and molestation coverage increases your premium, but the base GL + professional liability bundle is one flat price.

In-person vs. virtual

Tutors who work exclusively online typically have lower general liability exposure, which may affect pricing. Virtual tutors still need E&O and cyber coverage.

Business size (centers)

Tutoring center premiums are calculated on gross annual receipts. Higher revenue means more exposure and a higher premium.

Prior claims history

A history of claims โ€” especially professional liability claims โ€” can increase your premium or affect your ability to qualify.

Number of tutors

For tutoring centers, the number of staff covered under the policy affects pricing.