Specialty Educators, Trainers and Instructors

Product Features

• No liability deductible
• No designated premises endorsement
• Special form available
• Replacement cost available
• Low minimum premium
• Some markets offer free or discounted comprehensive background checks
• Property limits up to $3 million and Liability up to $5 million
• Optional coverages can include Money & Securities, Sign, and Equipment Breakdown Coverage
• “Value Plus” Endorsement, a comprehensive coverage enhancement available with certain market

Eligible Risks

• Art instruction
• Athletic instruction
• Bartending schools
• Beauty schools
• Boxing gym/Martial arts
• Business/Secretarial/Paralegal
• Charm/Modeling schools
• Computer training
• Cooking instruction
• Craft/Hobby
• Dance schools
• Dressmaking classes
• Drama/Theater training
• Insurance training
• Language instruction
• Massage schools
• Medical/Nursing classroom instruction
• Music training
• Personal trainers
• Photography classes
• Poker/Gambling schools
• Public speaking
• Reading instruction
• Real estate training
• SAT/LSAT courses
• Tutoring services
• Wine tasting schools
• Driving school (submit application; premises liability only for classroom)
• *No market for horse training or riding lessons

Claim Examples

General Liability:
A public speaking school student slipped and fell in the school’s restroom, resulting in a broken arm and sprained knee. The student filed a lawsuit against the school for pain and suffering, medical bills and rehabilitation expenses. The lawsuit was settled for $68,000 and $7,000 was paid in defense expenses.

Professional:
A mother claimed that her child’s learning center failed to render professional tutoring services for the SATs; he is now unable to get into the college he wanted to attend. The parents brought a lawsuit against the school for the cost to hire a special tutor and a refund of their money paid to the learning center. The claim was for $10,000.

Abuse or Molestation:
A dance school student brought a lawsuit against the school alleging negligent hiring of an instructor who improperly touched her during a lesson. Attorneys were hired to defend the school. The case was dismissed after no negligence was found on the part of the school. Defense costs totaled $35,000.

Property:
A fire began at the insured’s computer instruction school when an employee plugged in the computers. The fire caused $80,000 in building damage along with $36,000 in damages to business personal property. While the damages were being repaired, the computer instruction school had to shut down for two months, resulting in a business income loss of $15,000 along with $10,000 in extra expenses to get the school up and running again. The entire loss came to $141,000 in damages and the claim was settled for the insured’s damages.

Equipment breakdown:
An on-premises power outage at a cooking school caused the freezer to shut down and the food in the freezer to spoil. An equipment breakdown claim was made for the $5,000 of spoiled food. In addition, the school had to shut down for several days resulting in an additional loss of income of $2,500. A claim was presented, and the insured was reimbursed for their loss.

*Coverage may not be available for all accounts or in all states

*Applications will apply to most markets but in certain circumstances additional applications may be needed

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