Educational Institution Insurance for Teachers, Classes, and Courses

Teaching is a unique occupation that allows you to share your expertise on whatever subject with like-minded individuals. Whether that’s a private school, an acting course, public speaking lessons, a tutoring company, or even hobby classes, educational institution insurance can help teachers, classes, and course companies of every size and scope to protect their bottom line. LMBF tailors education insurance to unique schooling companies, acknowledging the individual risks they face whether they’re an independent educational institute or a public online course company that offers lessons for various skills and talents.

What Education Insurance Covers

Commercial General Liability

Commercial General Liability

Any business, no matter what it specializes in, requires some base level of liability insurance. Commercial general liability covers educational institutions from claims of bodily injury or property damage, including expenses such as settlement and defense fees, lawsuit costs, etc.

Property Insurance

Property Insurance

Commercial property coverage includes protection for your educational institution’s physical property, covering it for repair and restoration costs due to a number of insurable perils like fire, theft, vandalism, natural disaster, and more. Commercial property may also include your enterprise’s physical assets, like equipment, inventory, and more.



Optionally, you can include business interruption with your overarching education insurance package. This policy includes coverage for your enterprise’s lost wages and employee payrolls in the event you experience an insurable loss and your business is forced to temporarily shut its doors. This can ensure you have the resources you need to reopen following a forced closure.

  What education insurance covers
  • Commercial property
  • Commercial liability
  • Errors and omissions
  • Equipment breakdown
  What education insurance excludes
  • Undocumented income
  • Criminal activities
  • Gradual wear and tear
  • Intentional actions

What is educational institution insurance?

Educational institution insurance is coverage designed for schools, virtual courses, teachers, instructors, and any business that offers an educational service. Whether you’re a teacher at an elementary school or a business owner that runs their own tutoring company, educational institution insurance is vital to ensuring that your business is protected against liability claims, property damage, malpractice claims, and more.

Types of Education Insurance Products

Educational institutions can look very different from one another, depending on the business, the service being provided, what is taught, the number of employees, so on and so forth. Insurance for teachers and education businesses should be tailored to the unique way your operation runs - not just what works “for most.” There are plenty of coverage options that you may choose to include with your overall education insurance plan - some of which are critical to your operation. If you ever have to make a claim, it helps to know what you’re covered for. See the samplings below of some coverage options that may be available to help protect you and the enterprise you’ve worked hard to grow.
Property Insurance

Commercial property

  • Physical property
  • Stored belongings
  • Contents
More info
Professional Liability Insurance

Professional liability

  • Negligence
  • Misinformation
  • Omissions
More info
Commercial Auto Insurance

Commercial auto insurance

  • Collision
  • Comprehensive
  • Liability
More info
Business Interruption Insurance

Business interruption

  • Ongoing wages
  • Employee payroll
  • Bills
  • Rent
More info
Commercial General Liability Insurance

Commercial general liability

  • Bodily injury
  • Advertising injury
  • Property damage
More info
Cyber Insurance

Cyber liability

  • Data breach
  • Restoration costs
  • Liability
More info
Umbrella Insurance

Umbrella insurance

  • Extended liability
  • Advertising injury
  • Bodily injury
  • Property damage
More info
Equipment Breakdown Coverage

Equipment breakdown

  • Unexpected breakdown
  • Machinery
  • Boilers
More info
Directors and Officers Liability Insurance

Directors and officers liability insurance

  • Lawsuit expenses
  • Settlement fees
  • Defense costs
More info
Warehousemans Legal Liability

Workers’ compensation

  • Healthcare costs
  • Treatment
  • Medical bills
More info
Crime Insurance

Crime insurance

  • Fraud
  • Dishonest actions
  • Reputational injury
More info
Risk Management

Risk management

  • Strategies
  • Risk reduction
  • Mitigation
More info

Our Education Insurance Partners

Thanks to our partnerships with several of the top education insurance companies around, LMBF is confident that it can help you find an educational institution insurance quote befitted to your education and training enterprise. Whether your operation is a driving school, a secondary education institution, an online course company, etc. - you can find peace of mind with LMBF’s uniquely tailored plans. Why wait? You can get a free education insurance quote today.

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Want to Get Started on Your Educational Institution Insurance? Start with an Education Insurance Quote.

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Insurance for Teachers and Educational Enterprises: FAQs

A: Insurance for teachers is critical as teachers are professionals that are offering “advice” and information to patrons and students. It is advised that teachers carry some form of professional liability insurance as their district may not cover them individually.

A: Your policy may look very different depending on your exact coverage needs. Your education insurance may include coverage for your commercial property, if applicable, your liability, commercial vehicles, etc. If you only run courses virtually, you may forgo any commercial property or physical insurance. If you are unsure as to what your coverage needs are, don’t hesitate to discuss with an insurance broker from LMBF.

A: It depends on your exact business. If you are an educational institution that hires a number of teachers or school employees, it is advised that you have each individual teacher carry their own professional liability insurance. On the other hand, if you run your own individual course, it is advised that you carry your own professional liability insurance. Because, as a teacher or instructor, you are providing advice and information, you should always have a backup in the event of a lawsuit.

A: It depends on the type of educational institution you run. Are you a business that only offers courses virtually, and does not operate out of a physical property? Do you have commercial vehicles, i.e buses, that come and pick up students every day for lessons? Are you the sole coach, or do you employ a team of instructors? These questions will all impact the amount of coverage you need, what type, and your coverage limits. Discuss with an LMBF broker to determine your exact coverage needs.

A: Private schools of all varieties, including faith-based, academies, Montessori, secondary, and elementary institutions all have different insurance requirements based on the individual way they run. While common coverages include property insurance, CGL, and commercial automobile, your school or educational enterprise has its own unique needs and specific ways that it operates. Discuss with an LMBF broker for advice specific to your individual business.

A: CGL can protect educational enterprises, such as schools, from claims of bodily injury. Schools face a particularly high risk, especially if they feature playgrounds. While schools do have a legal duty of care, accidents can happen. Injuries may include slips and falls, fights, food poisoning, sports injuries, disasters, etc. Because of the likelihood of injury, it is highly recommended that you purchase educational institution insurance to include liability coverage for these sorts of events.