Public Liability and Portable Equipment cover

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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

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.

Public Liability

Covers costs and legal fees if you negligently cause injury to a member of the public or damage to property.

Public Liability insurance

Professional Indemnity

Covers losses and legal fees as a result of alleged or actual negligence in your professional services or advice.

Business Insurance Pack

Package cover under one policy to protect assets and liabilities. Can include legal fees, repair costs, and business interruption.

Business Insurance

Goods in Transit

Covers loss and damage to your property in transit by road in a vehicle owned or operated by you.

Transit insurance

Cyber Liability

Protection against claims and supports your profitability following a broad range of cyber events.

Cyber Insurance

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.

how much does insurance for tutors cost

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.

Cover levels to choose from

  • $250K
  • $10M

Cover levels to choose from

  • $5M
  • $20M

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.

Cover levels to choose from

  • $5M
  • $20M

Cover levels to choose from

  • $250K
  • $10M

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.

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See how much others have saved while purchasing policy through BizCover

Colette

Disability Care Worker from

NSW

Saved

$1,200

on

Public Liability and Professional Indemnity insurance

Disability care worker
Andrea

Beautician from

VIC

Saved

$1,500

on

Business insurance Pack and,
Public Liability and Professional Indemnity insurance

Andrea, Beautician saved $1,500 on Professional Indemnity, Public Liability and Business Insurance
Deborah

Cleaner from

VIC

Saved

$3,600

on

Public Liability insurance

Cleaner from VIC saved on Business Insurance with BizCover
Lance

Electrician from

ACT

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$800

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Public Liability insurance

Electrician saved $800 on Public Liability insurance
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IT Professional from

VIC

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Information Technology Liability insurance

IT Professional saved on IT Liability with BizCover
Linda

Restaurant owner from

NSW

Saved

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Business Insurance Pack and
Public Liability insurance

Restaurant owner saved in Business Insurance with BizCover

Frequently asked questions

Depending on your needs, you might consider different types of insurance to protect your tutoring business. These may include: 

  1. 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.  

  1. 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.

  1. 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.  

Hear from our customers

BizCover NZ Rating 4.7/5 on Feefo

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

Krystal was amazing, I was with another company (SIC) and got insurance with them last week, they have taken a week and still haven’t done what Kristal did in 5 minutes! I thank her greatly!

Sanjeev P

Simone was great and explained everything to me and answered my questions. I am a new business so finding my way. Having good service for such an important thing was wonderful.

Veronica T

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

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