Insurance for Teachers and Tutors
Specialist cover for home tutors and teachers
Meets ASQA Public Liability requirement
Flexible, Australia-wide cover for cyber risks and business equipment
Competitive pricing with our Price Promise
Independent feedback based on verified reviews
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From multiple insurers
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Save Money
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Instant Cover
Delivered to your inbox
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What does teachers and tutors’ insurance cover?
Teachers and tutors’ insurance generally covers everyday risks that can impact your education services business. These may include:
- Mistakes, errors, or omissions in your instruction
- Professional negligence or breach of duty claims
- Client injury and property damage claims
- Cyberattacks and data breaches
- Lost or damaged records
- Unfair dismissal or harassment claims
BizCover makes it easy for tutors and independent teachers to get cover that suits their business needs. We offer Public Liability insurance that meets Australian Skills Quality Authority (ASQA) compliance requirements.
Why do tutors and teachers need insurance?
Tutors and teacher may consider insurance to help cover everyday risks associated with providing educational services and running a business.
As a teacher or tutor, your clients and students have high expectations when it comes to your skills and knowledge. This trust can lead to common risks, such as:
- A parent alleges you did not adequately prepare their child for an exam
- A student misinterprets your advice or recommendations
- You accidentally damage a client’s property during a tutoring session in their home
Tutors may also want to consider business insurance to cover unexpected bills related to running their business, such as loss or damage to your work laptop or other essential equipment.
Enhance credibility
Cover student injury or property damage claims
Protect their professional reputation
Pay legal costs if you face a liability claim
Who we cover
We offer a broad range of insurance for teaching and tutoring professionals, including:
Teachers (self-employed and contract-based)
Private tutors
Tutoring services
Online teaching and tutoring services
Art teachers
Music, drama and dance teachers
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What types of insurance do tutors need?
Tutors may consider different types of insurance to protect their finances and business[SM3.1]. We offer flexible, customisable policies for teaching and tutoring services. Build an insurance package to match your business needs.
Basic teaching insurance
Additional teacher and tutor insurance
How much does business insurance for tutors cost?
Business insurance for tutors costs an average of $60 per month.
Factors influencing cost
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*BizCover’s Marketing Pricing Expectations Report is based on 1 July 2025 to 30 June 2026 and presented as a guide only. It may not reflect pricing for your particular business, as individual factors will apply.
Get flexible cover to match your business needs
Professional Indemnity up to $10 million, Public Liability up to $20 million, Cyber Liability up to $2 million, and Management Liability up to $5 million.
Unsure how much to choose? Think about:
Statutory Profession Requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to over yourself, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
Factors influencing cost
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*BizCover’s Marketing Pricing Expectations Report is based on 1 July 2025 to 30 June 2026 and presented as a guide only. It may not reflect pricing for your particular business, as individual factors will apply.
Get flexible cover to match your business needs
Professional Indemnity up to $10 million, Public Liability up to $20 million, Cyber Liability up to $2 million, and Management Liability up to $5 million.
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to over yourself, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
How It Works – Buying Online
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How To Make a Claim Online
We’ll assist you through the claims process & manage the claim directly with the insurer.
Let us know Fill out our
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to support the claim
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will assist you with your claim
Claim results We will notify
you of the claim outcome.
3 steps to get your biz insured:
- Let us know
Fill out our claims form and provide info to support the claim.
- Receive Extra Support
We’ll assist you with your claim.
- Claims Results
We’ll notify you of the claim outcome.
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See How Much Others Have Saved By Purchasing a Policy Through BizCover
Colette
Disability Care Worker from
NSW
Saved
$1,200
on
Public Liability and Professional Indemnity insurance
Andrea
Beautician from
VIC
Saved
$1,500
on
Business insurance Pack and,
Public Liability and Professional Indemnity insurance
Deborah
Cleaner from
VIC
Saved
$3,600
on
Public Liability insurance
Lance
Electrician from
ACT
Saved
$800
on
Public Liability insurance
Stephen
IT Professional from
VIC
Saved
$1,500
on
Information Technology Liability insurance
Linda
Restaurant owner from
NSW
Saved
$1,000
on
Business Insurance Pack and
Public Liability insurance
^ Savings made from January 2024 to April 2025. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
Frequently asked questions
While not mandatory, insurance may benefit teachers and tutors offering online instruction. Professional Indemnity insurance can help protect against common risks, such as professional negligence or breach of duty claims raised by students and/or their families.
Cyber Liability insurance helps teachers and tutors protect themselves against risks that come with offering services online. These can include cyberattacks that leave you unable to hold sessions and data breaches that expose client information. Other types of insurance can also help you protect your laptop/computer, printer, and mobile phone.
Insurance may benefit tutors and teachers who provide services in students’ homes. For example*, Public Liability insurance covers accidental damage to a student’s home or belongings caused by your teaching activities.
Other types of insurance, such as Professional Indemnity and Cyber Liability, can help you manage common risks that may impact your business regardless of where you work with students.
Freelance teachers, tutors, and teaching consultants may want to consider Professional Indemnity insurance. It can help you manage financial loss and claims caused by common risks, such as negligence and breach of duty claims, failing to deliver services, or losing client documents in your care.
*The claims examples are illustrative only and should not be taken as an indication of how any potential claim will be assessed or accepted. BizCover does not assess, manage, decide or settle claims, whether on your behalf or on behalf of any insurer. These, and whether a claim is covered, are determined solely by the insurer.
Hear from our customers
After spending almost a month back and forth with the “broker of the year” and then finally only receiving a quote for PL insurance at an astounding rate I thought I’d call BizCover. OMG what a difference in service, information and quality. As someone who trains in governance for many NGOs? I’ll be recommending your wonderful service. Thank you!!
Zoe W
It was a delight dealing with Milind today. He was professional, competent and a good listener. He quickly determined my needs and found the most suitable product for me. He made the process as painless and straightforward as possible. As a consequence, I intend to move other insurance policies to BizCover as the come up for renewal.
Greg D
Fast to find the right product
Isabella C. Tutor
Nothing is missing from my experience of your service. I have recommended you to a friend before when they’ve asked me about my policy.
Anna M. Tutor
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