Private tutors continue to gain popularity as more people turn to alternative methods of education. Tutors help fill in educational gaps or may provide important music or dance lessons. However, it’s important to make sure you have the right commercial insurance before you start tutoring, even if it’s only a side hustle. Learn more from the professionals at Allen Insurance Agency, serving Ramseur, NC.
Auto Insurance
Many companies consider tutoring a job or a self-employed business. Driving your vehicle to a student’s house or using it to transport equipment calls for a commercial policy. However, if you only do online tutoring services and don’t use your vehicle for business, a standard policy is acceptable.
Liability Insurance
Tutoring may seem like it’s safe from lawsuits, but that’s not always the case. Angry parents can sue for damages if they feel that their child is failing because of you or if they think you gave bad educational advice.
Tutors often use a musical instrument in the house for private lessons, further increasing the chances of a lawsuit. You can face a liability lawsuit if the instrument is damaged during a lesson, even if the child damages it. It’s best to ensure you’re protected with a proper policy from Allen Insurance Agency.
Many companies are legally required to obtain workers’ compensation if they have at least one employee. However, self-employed individuals without employees generally don’t need this. An agent here at Allen Insurance Agency, serving the Ramseur, NC area, can help you learn more about the commercial insurance policies you need for your tutoring business. Contact us today.
