NEXT earned our top spot for the best small business insurer for tutoring companies due to its affordability and coverage. However, we recommend comparing quotes from our other top picks, including The Hartford, biBerk, and Simply Business.
Best Tutoring Business Insurance
Updated: June 30, 2025
Advertising & Editorial Disclosure
Key Takeaways
NEXT is the best business insurance company for tutoring firms because it offers the greatest balance of customer service and affordability.
The cheapest overall commercial insurance provider for tutoring businesses is NEXT, with low monthly rates for various coverage types.
When shopping for business insurance for your tutoring business, assess the risks in your industry, consult agents and other similar organizations, and compare multiple options.
Best Business Insurance for Tutoring Companies
| NEXT | 96 | 98 | 94 |
| The Hartford | 94 | 96 | 91 |
| biBerk | 91 | 93 | 91 |
| Simply Business | 91 | 91 | 83 |
| Nationwide | 89 | 85 | 91 |
| Progressive Commercial | 88 | 90 | 81 |
| Hiscox | 87 | 88 | 87 |
| Thimble | 86 | 87 | 81 |
| Chubb | 86 | 81 | 87 |
| Coverdash | 85 | 80 | 83 |
*All scores were based on a tutoring business with two employees across professional liability, general liability, workers' comp and BOP policies.
1. NEXT
pros
Cheapest general liability insurance
Fast, easy digital experience
High customer satisfaction rating
cons
Slower quote times than competition
COMPANY HIGHLIGHTS
NEXT is the best insurance provider for tutoring companies based on price and convenience. It offers the lowest general liability and BOP premiums, plus highly competitive rates across all other policy types. Its 4.7-star customer rating and seamless digital experience make it ideal for solo tutors and small education businesses that want fast, affordable coverage.
2. The Hartford
pros
Cheapest professional liability pricing
Trusted national brand with longevity
High marks for financial stability
cons
Fewer digital self-service tools
COMPANY HIGHLIGHTS
The Hartford ranks second for tutoring business insurance thanks to its standout pricing for professional liability coverage, which is an average of $54 per month. Backed by an A+ rating from AM Best, it offers dependable claims support and tailored policies for education-related risks. It’s a top choice for firms that want solid protection from teaching-related liability.
3. biBerk
pros
Strong BOP and liability pricing
Backed by Berkshire Hathaway
Simple online quote process
cons
Limited custom coverage options
COMPANY HIGHLIGHTS
biBerk offers affordable insurance for tutoring companies, especially for BOP and workers’ comp coverage. It’s a direct-to-business insurer owned by Berkshire Hathaway, bringing added financial credibility. While its platform is more streamlined than customizable, it’s a solid pick for tutors looking for reliable coverage and competitive pricing in a single package.
Cheapest Business Insurance for Tutoring Firms
NEXT offers the cheapest overall commercial insurance for tutoring companies across most policy types. However, this applies only to tutoring companies with two employees, and you may find lower rates elsewhere. Below are the most affordable providers by major coverage types.
Cheapest General Liability Insurance for Tutoring Companies
With an average monthly rate of $14, NEXT offers the lowest-cost general liability insurance for tutoring companies. Even so, consider getting quotes from the next-most-affordable insurers: biBerk and The Hartford.
| NEXT | $14 | $163 |
| biBerk | $18 | $218 |
| The Hartford | $19 | $224 |
| Simply Business | $20 | $240 |
| Progressive Commercial | $22 | $270 |
| Thimble | $24 | $294 |
| Hiscox | $25 | $295 |
| Nationwide | $25 | $300 |
| Chubb | $28 | $332 |
| Coverdash | $38 | $453 |
Cheapest Workers' Comp Insurance for Tutoring Companies
For tutoring businesses shopping for workers' comp insurance, Thimble tops our list as the most affordable insurer, with average rates of $4 per month or $52 yearly. Still, it’s worth checking quotes from other low-cost insurers like Coverdash, Hiscox, Nationwide and biBerk.
| Thimble | $4 | $52 |
| biBerk | $5 | $61 |
| Coverdash | $5 | $59 |
| Hiscox | $5 | $58 |
| Nationwide | $5 | $65 |
| NEXT | $5 | $60 |
| Progressive Commercial | $5 | $56 |
| Simply Business | $5 | $57 |
| The Hartford | $5 | $58 |
| Chubb | $6 | $69 |
Cheapest Professional Liability Insurance for Tutoring Companies
The Hartford offers the most affordable professional liability insurance options for tutoring companies, with low average monthly rates of $54. You may also want to compare prices from other low-cost providers like NEXT, Progressive Commercial and Thimble.
| The Hartford | $54 | $651 |
| NEXT | $56 | $673 |
| Progressive Commercial | $58 | $691 |
| Hiscox | $60 | $721 |
| Simply Business | $60 | $721 |
| Thimble | $60 | $725 |
| Coverdash | $61 | $734 |
| biBerk | $63 | $750 |
| Nationwide | $65 | $783 |
| Chubb | $71 | $846 |
Cheapest BOP Insurance for Tutoring Companies
NEXT provides the most affordable business owner's policy (BOP) coverage for tutoring companies, with an average yearly cost of $234 for bundled general liability and property protection. That's a savings of roughly $51 annually compared to biBerk, the second most affordable option.
| NEXT | $20 | $234 |
| biBerk | $24 | $285 |
| The Hartford | $24 | $286 |
| Simply Business | $30 | $358 |
| Progressive Commercial | $34 | $406 |
| Hiscox | $37 | $442 |
| Nationwide | $37 | $450 |
| Thimble | $38 | $450 |
| Chubb | $42 | $501 |
| Coverdash | $55 | $658 |
What Type of Coverage Do You Need for a Tutoring Business?
Most companies with employees are legally required to carry workers' comp insurance, and businesses that use vehicles must have commercial auto coverage. Many contracts and clients also require businesses to carry general liability insurance before starting work. A surety bond may also be required in certain industries, especially when contracts require guarantees of service or compliance.
RECOMMENDED TUTORING BUSINESS COVERAGE
General liability insurance is recommended for tutoring companies because it covers common risks like bodily injury, legal defense costs and property damage. Professional liability insurance is also a smart option for businesses that work under client contracts or provide specialized services. This coverage becomes especially useful for companies offering specialized services or handling large contracts.
Coverage Recommendations by Tutoring Company Type
Below is a breakdown of coverage suggestions based on the type of tutoring service offered, starting with the businesses facing the highest claim risk.
Tutoring Company Type | Coverage Types Recommendation | Most Common Insurance Claims | Most Common Reasons For Litigation |
|---|---|---|---|
In-Person Tutoring Centers (Multi-Location or High Foot Traffic) | General Liability (high limits), Workers’ Comp, Professional Liability, Commercial Property, BOP, Cyber Liability, Umbrella Policy ($2M+) | Student injuries on premises, staff injuries, property damage, data breaches, employment claims | Slip-and-fall lawsuits, employee injury claims, wage/hour disputes, parent lawsuits over test score disputes or educational outcomes |
Private Tutoring Agencies (Home Visits or Contracted Tutors) | General Liability, Professional Liability, Commercial Auto, Workers’ Comp (if employees), Abuse & Molestation Coverage, Umbrella Policy | Student injury during sessions, auto accidents during travel, allegations of misconduct, property damage in client homes | Lawsuits from physical/verbal misconduct, property damage claims, injury liability in student homes |
After-School Program Tutors | General Liability, Professional Liability, Workers’ Comp, Abuse & Molestation Coverage, Commercial Property, Umbrella Policy | Student physical injury, misconduct allegations, emotional distress claims, damaged school equipment | Misconduct or negligence lawsuits from parents, injury suits involving minors, breach of duty claims |
Specialized Test Prep Companies | Professional Liability (high limits), General Liability, Workers’ Comp, Cyber Liability, Commercial Property | Claims of educational failure, emotional distress over outcomes, injury at in-person workshops | Lawsuits over unmet score promises, disputes over refund policies, copyright violations in materials |
Online Tutoring Platforms | Professional Liability, Cyber Liability (high limits), General Liability, BOP, Media Liability | Data breach, defamation or copyright use, client dissatisfaction, service interruption | Breach of data protection laws (FERPA/COPPA), intellectual property suits, failure to deliver services |
Individual Full-Time Tutors (In-Person) | General Liability, Professional Liability, Workers’ Comp (if hiring assistants), Commercial Auto | Student injury during session, property damage at client home, teaching-related complaints | Parent litigation over emotional impact, negligence claims, breach of contract disputes |
Individual Online Tutors | Professional Liability, Cyber Liability (basic), General Liability (optional), Business Personal Property (for equipment) | Service outage, educational complaints, data privacy concerns | Student/parent disputes over results, privacy complaints, refund claims |
How to Get the Best Cheap Business Insurance for Your Tutoring Company
Here's a step-by-step method for finding the best and cheapest business insurance for your tutoring company.
- 1
Decide on coverage needs before buying
Take into account specific risks for your business for claims, obtain advice from similar business and research the types of business insurance. This will give you a balanced perspective on your coverage needs and prevent you from being convinced to get excessive coverage.
- 2
Research costs
To get the best deal, research average costs for your business and determine which providers offer the cheapest rates overall. This will give you an idea of how much you're saving when comparing quotes and which companies to start with.
- 3
Look into company reputations and coverage options
Research what customers say on online rating sites and forums for a more comprehensive look at company services. Also, research coverage options to make sure you're covered for the right items.
- 4
Compare multiple quotes through different means
Look at and compare multiple quotes. Rates differ by your comparison method, whether with captive agents, comparison sites, company websites or independent agents.
- 5
Reassess annually
Your business will likely change over time, so you should reassess and repeat these steps annually to be sure you still have the best deal.
How to Decrease Your Tutoring Business's Liability Risk
Reducing risk is key for tutoring businesses looking to manage liability and keep insurance costs down. We've organized practical strategies by business type and risk level to help you navigate this process effectively.
Tutoring Business Risk Type | Included Types of Tutoring Businesses | Risk Mitigation Tactics |
|---|---|---|
Highest | In-person tutoring centers, private agencies with home visits, after-school programs | Conduct background checks and abuse prevention training for all staff. Maintain incident reporting protocols and liability waivers for minors. Use commercial leases with safety compliance (e.g., ADA access, fire exits). Ensure tutors have CPR/first-aid training and follow student safety guidelines. |
Moderately High | Specialized test prep centers, hybrid tutoring (online + in-person), agencies with contractor travel | Document educational disclaimers and score expectations. Use contracts that limit liability for outcomes. Train staff on safe driving procedures and property protection during home visits. Secure all student data and test prep materials with password and access control. |
Moderate | Online tutoring platforms, full-time solo in-person tutors | Use video session monitoring (if permitted) and require session feedback for quality control. Store student data on encrypted platforms. Create clear refund and service policies. Carry professional liability insurance to cover teaching errors. |
Moderately Low | Individual in-person tutors working occasionally, small in-home services | Establish written agreements with students/families, including expectations and boundaries. Avoid high-risk physical activities during sessions. Conduct sessions in safe, quiet environments. Maintain basic equipment (e.g., chairs, tech) in good condition. |
Lowest | Solo online tutors without physical contact or travel | Use disclaimers clarifying educational support only. Secure client data and use anti-virus protections. Avoid guarantees on results. Maintain records of sessions and communications to resolve disputes if needed. |
Best Insurance for Tutoring Business: Bottom Line
NEXT is the best insurer for tutoring business insurance, offering both the highest overall quality and the most affordable rates. We also recommend getting quotes from The Hartford, biBerk, and Simply Business. For the best deal, talk to agents, research providers and pricing, and compare multiple quotes side by side.
Tutoring Business Insurance: FAQ
This section answers frequently asked questions about business insurance for tutoring services.
Who offers the best tutoring business insurance overall?
NEXT offers the best business insurance for tutoring companies with a high customer service rating and a MoneyGeek score of 96 out of 100. The Hartford follows closely with a score of 94.
Who has the cheapest business insurance for tutoring companies?
Here are the cheapest business insurance providers for tutoring companies by coverage type:
- Cheapest general liability insurance: NEXT at $14 monthly
- Cheapest workers' comp insurance: Thimble at $4 monthly
- Cheapest professional liability insurance: The Hartford at $54 monthly
- Cheapest BOP insurance: NEXT at $20 monthly
What business insurance is required for tutoring organizations?
Workers' compensation insurance (if you have employees) and commercial auto insurance (if you own business vehicles) are legally required for tutoring businesses, with requirements varying by state. While not legally mandated, general liability insurance and surety bonds are effectively required by most commercial clients and property leases.
How much does tutoring business insurance cost?
Business insurance costs for tutoring businesses vary depending on the type of coverage. We've broken down costs for commonly needed coverage for small businesses:
- General Liability: $14 per month
- Workers' Comp: $4 per month
- Professional Liability: $54 per month
- BOP Insurance: $20 per month
How We Chose the Best Tutoring Business Insurance
We selected the best business insurer for tutoring companies based on the following criteria:
- Affordability (50% of score): The lower a company's costs compared to the competition based on our base profile for four core coverage types, the better it performs.
- Customer service (30% of score): We scored providers on overall customer satisfaction using industry studies, customer review forum ratings and public forum sentiment analysis from sites like Reddit.
- Coverage (15% of score): We scored business insurance for this category based on the flexibility, payment and actual coverage options.
- Financial stability (5% of score): Using financial stability industry ratings from companies like AM Best and Moody's, we created an overall rating to judge how likely a company is to pay out claims compared to the competition.
All pricing in this article is based on the following base profile to represent the vast majority of small businesses in all states:
- Three-person business with two employees
- Coverage: $1 million per occurrence and $2 million total per year for all but BOP, which includes the same coverage plus $5,000 of business property coverage
- $150,000 in payroll
- $300,000 annual revenue
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- AM Best. "Hartford Fire Insurance Company." Accessed June 30, 2025.
- NEXT. "Customer Reviews." Accessed June 30, 2025.