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Why do tutors need insurance?
While you dedicate yourself to providing top notch education and support for your students, an insurance claim could have a devastating impact on your tutoring business.
Tutors insurance (the different types of business insurance designed for tutors in Australia) helps cover the cost of common claims such as third-party injuries, accidental property damage or misleading advice.
Don’t let unforeseen events teach you a costly lesson – protect your business through BizCover today. Receive multiple competitive quotes from some of Australia’s leading insurers in minutes.

Why do tutors need insurance?
Tutors may need business insurance to cover unexpected bills from third-party claims, or injuries and illnesses that force them to take time off.
To join a professional association
Third party injury or property damage
Enhance credibility
Pay legal costs if you face a liability claim
Let’s cover your small business on the go
Start a quote to see how much you can save and buy online in minutes.
What types of insurance do tutors need?
We offer a range of policies designed to cover your business, building and contents. Build an insurance package that suits your needs and buy in minutes.
Popular cover types for tutors:
Tutors could also consider:
How much does business insurance for tutors cost?
The average cost of business insurance for tutors is $54 per month with BizCover. However, the cost of your policies will depend on different factors, such as the services you provide and the size of your business.

Factors influencing cost
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get cover that works with the risks of your business
Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.
Unsure how much to choose? Think about:
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 cover you, 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
*Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get cover that works with the risks of your business
Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.
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 cover you, 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
5 easy steps to get instant cover online today

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How to make a claim online
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See how much others have saved while purchasing policy through BizCover
^ 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
Depending on your needs, you might consider different types of insurance to protect your tutoring business. These may include:
- Public Liability insurance*
Whether you are out and about visiting students or teaching them from your home office, Public Liability insurance is an important form of cover to consider. It is designed to provide protection for you and your business in the event a student, supplier or a member of the public brings a claim against you due to their being injured or sustained property damage as a result of your negligent business activities.
- Professional Indemnity insurance
Professional Indemnity insurance is an important form of cover for tutors, that protects you against claims of errors, omissions or negligence that might arise from your tutoring duties.
- Business Insurance
A Business Insurance package can be customised to fit your unique business needs. Here are some of the types of insurance you can bundle under a Business Insurance package:
- Contents: covers your business contents if they were damaged in a fire, storm or due to malicious damage or some other defined event listed in the policy.
- Portable Equipment: can cover specified items such as tools, business equipment or electronic items, or unspecified items of lower value.
- Glass: cover for breakage of internal and external glass and signage you own or for which you are legally responsible, at the insured premises.
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