NAS Insurance Services offers this program for tutoring companies and independent tutors who provide educational services for a fee to clients, schools, or third parties.
Tutors and tutoring companies face distinct liability and privacy exposures. Allegations of abuse or molestation — from current, prospective, or former clients — can create severe financial and reputational damage; abuse/molestation coverage is therefore essential. Tutors also handle sensitive student and family data, creating cyber and privacy exposures. The NetGuard Plus cyber form available with this program provides broad first- and third-party cyber protection tailored to education service providers, including breach response, privacy liability, ransomware support, and regulatory defense.
Placement is available through Lloyd’s, London and other highly rated carriers experienced in small- and mid-sized professional liability and cyber risks.
Overview of the Program
This NAS Insurance Services program combines Errors & Omissions (E&O) with optional abuse/molestation and cyber coverages specifically designed for tutors and tutoring companies. It’s built for agents who need a market that understands the operational risks of in-person, in-home, center-based and virtual tutoring services. Underwriting emphasizes actual operations, background screening, supervision practices, and data-security controls rather than one-size-fits-all underwriting criteria.
Ideal Accounts and Appetite
- Independent tutors and small tutoring firms providing K–12 academic support, test prep, subject-specific coaching, or enrichment classes.
- Operations that deliver services in clients' homes, at learning centers, or virtually via video platforms.
- Accounts with formal background checks, written student-interaction policies, supervision protocols, and documented client engagement agreements or waivers.
Typically not a fit: businesses that include unsupervised overnight caregiving, licensed healthcare or behavioral-health services, large franchise networks without centralized risk controls, or accounts with unresolved recent abuse/molestation claims.
Coverage Highlights and Advantages
- E&O coverage for tutoring-related professional services — defense and indemnity for alleged negligence in instruction, assessment, or advice.
- Optional abuse & molestation limits to address allegations involving students or clients.
- NetGuard Plus cyber coverage — first- and third-party protection for data breaches, privacy liability, ransomware response, crisis management, and regulatory exposures tied to student and family information.
- Access to Lloyd’s, London and other highly rated carriers for flexible limits and education-specific policy forms.
Underwriting Notes and Minimum Premiums
- Minimum annual premium: $3,600.
- Standard submission requirements: completed application, description of client population and service delivery (in-person vs. virtual), hiring/screening policies, sample engagement agreement or waiver, and prior-claims history.
- Underwriters will evaluate background-check procedures, supervision and incident-reporting policies, and cyber controls such as data handling, encryption, backups, and MFA for remote access.
Territories and Availability
Availability varies by carrier and state. Confirm territory eligibility, admitted vs. non-admitted options, and form availability with underwriting for each account.
Why Place This Business Through NAS Insurance Services
NAS Insurance Services provides a focused marketplace for tutors and tutoring companies that need combined professional liability, abuse/molestation, and cyber protection. The program’s carrier panel includes admitted and excess capacity with experience handling education-related exposures. Underwriting rewards documented risk controls, so well-managed tutoring operations often place more easily and secure tailored endorsements and limits.
Example Accounts
- You might have a small tutoring company that offers in-home and virtual SAT prep with written student-safety policies and background checks — this program can provide E&O plus abuse coverage and cyber protection for their student records.
- You might place an independent tutor who teaches students online and stores client files electronically — NetGuard Plus cyber coverage can help manage privacy and breach response as part of an E&O package.
Frequently Asked Questions
What types of tutoring operations are a good fit for this program?
Independent tutors and small to mid-sized tutoring companies that deliver services in-home, at centers, or virtually — and that maintain clear screening, supervision, and data-handling controls — are ideal candidates for placement through NAS Insurance Services.
Is abuse and molestation coverage included or optional?
Abuse/molestation coverage is available through the program. Limits, retentions, and availability vary by underwriting review; accounts with documented screening and incident protocols typically place more easily and may qualify for broader limits.
How does the cyber coverage work for tutors who teach online?
The NetGuard Plus element provides first- and third-party cyber protection for data breaches, privacy liability, incident response, and ransomware events. Underwriting assesses how client data is stored and transmitted and whether basic security controls are in place.
What are the minimum submission requirements and premium threshold?
Provide a completed application, description of operations, sample engagement or consent forms, screening/hiring policies, and prior-claims information. The program’s minimum premium is $3,600; final pricing depends on limits, exposures, and loss history.
Need help placing an account? Connect with a market specialist.