Professional Liability Insurance for Educators

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Protect Yourself From the Unique Risks Experts Face

When you make a living off your expertise, you need comprehensive, cost-effective insurance to protect you financially from damages or legal costs that may arise. Professional liability insurance, also known as errors and omissions (E&O) or professional indemnity insurance, provides the coverage you need. And when you get it from biBerk, you’ll save up to 20% over other providers. Choosing biBerk for your educator’s liability insurance is simple, quick, and hassle-free. 

Just provide a few pieces of information about your business, online at your convenience, and we'll respond with a quote.
When you’re ready to buy, you can do so online or over the phone.
You can make payments, set up a payment plan, or submit claims online, as well.

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What is Professional Liability Insurance for Educators?

As a professional, it’s your responsibility to adhere to certain standards and best practices for your industry. If you’re a teacher, this means investing in educators liability insurance. If someone feels that you made a mistake or oversight with your services, they could claim that you didn’t meet those standards and sue for economic damages. Errors and omissions insurance and educators professional liability insurance protects you if someone accuses your business of making a mistake (an error) or failing to do something (an omission) – even if that claim proves to be unfounded.

What Does Professional Liability Insurance for Educators Cover?

Professional liability insurance for educators from biBerk helps protect your business if you make a mistake (error) or fail to perform a service (omission). Professional indemnity insurance, another name for professional liability (E&O) insurance, also covers the related defense costs, even from groundless claims. Claims can include the following scenarios:

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Unfulfilled Promises

This is when you make a promise that doesn’t come to fruition for a customer, such as when you say your app will back up their data and it fails to do so.
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Negligence is the failure to use proper care in performing a task. An example would be that you are careless in handling a client’s data and it is stolen.
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In this instance, you’re being held responsible for a mistake made by you or your employee that caused your client a financial loss.

In each instance, professional liability (E&O) educators insurance covers the costs for legal defense and damages. Plus, biBerk provides an attorney to represent you. biBerk also covers client damages—including punitive damages, if permitted by law in your state. Punitive damages can be quite high, as they are assessed by courts on top of other damages. This is an effort to punish those allegedly at fault even further. If your state allows these damages to be covered by an insurance policy, biBerk covers up to the policy limit.

Small Business Insurance Experts

biBerk has over 200,000 satisfied customers and focuses exclusively on small businesses. Why is biBerk the business insurance company so many organizations rely on? There are many reasons.

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Save Time

Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.

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Save Money

We insure your small business directly, without a middleman or insurance broker, so we pass that savings along to you - up to 20% less than policies with other insurance companies.

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We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $38 billion in paid claims in 2020.

Who Should Consider Professional Liability (E&O) Insurance?

If you provide what could be classified as a professional service, if you typically give advice to clients, or if you’re obligated by a contractual agreement, you should consider carrying professional liability (E&O) insurance.

  • Accountants
  • Advertising consultants
  • Answering services
  • Architects and engineers
  • Audio/visual consultants
  • Barbers and beauticians
  • Billing services
  • Bookkeepers
  • Business management consultants
  • Certified financial analysts
  • Claim administrators
  • Communications/media/public relations consultants
  • Compensation and benefits consultants
  • Corporate trainers
  • Dog groomers
  • Educational consultants
  • Executive coaching consultants
  • Funeral directors
  • Graphic designers
  • Home inspectors
  • Image consultants
  • Insurance agents
  • Interior designers/decorators
  • IT consultants
  • Journalists/broadcasters
  • Landscape architects
  • Loss control inspectors
  • Market research consultants
  • Notaries
  • Optical and hearing aid professionals
  • Personal trainers
  • Photographers
  • Printers
  • Procurement consultants
  • Project management consultants
  • Real estate agents and brokers
  • Recruiting consultants
  • Sales and marketing consultants
  • Security guards
  • Social workers
  • Software companies
  • Strategic planning consultants
  • Training and development consultants
  • Travel agents
  • Tutors
  • Veterinarians

Professional Liability (E&O) Offers Protection Beyond Claims

Depending on the coverage you choose, educators professional liability insurance can protect against more than just claims relating to omissions, negligence, or errors. Other protections can include:

If your educator insurance policy has an agreed-upon retroactive date or full prior-acts coverage, biBerk may still help cover the costs associated with claims that are filed after coverage begins—even if the error, promise, or negligent act happened before coverage was effective. For example, let’s say your professional liability (E&O) policy began on June 30, with a retroactive date of January 1. On July 15, a former client claimed you made a mistake on their taxes in March, which you were unaware of when you purchased the policy. Since the occurrence causing the claim took place during the retroactive coverage period (between January 1 and June 29) and the claim was made during your regular coverage period, you’ll likely be covered. With full prior-acts coverage, you’ll have coverage for all services provided before the policy period. If you haven't bought a policy before, claims will only be covered if the error, promise, or negligent act happens during the policy period.

For added peace of mind, biBERK’s professional liability (E&O) insurance may cover the costs of litigation, depending on the terms and conditions of your policy. This includes claims related to negligent acts and errors or omissions, even if the accusation turns out to be groundless.

We offer an add-on to our professional liability (E&O) insurance called cyber liability insurance. This covers data breaches and cyberattacks that result in the loss, theft, or accidental release of a client’s personal information. It also provides coverage for regulatory action defense if a government agency requires you to appear in court.

What Isn't Covered by Errors and Omissions Insurance?

Professional liability (E&O) insurance for educators is fairly comprehensive. However, there are a few things that aren’t covered by your policy. For starters, biBerk and other typical E&O policies don’t cover warranty or product guarantees your company makes. We also don’t provide coverage when a client is simply unhappy with the work you did. For coverage to apply, the claim must be the result of an error or omission. There are a few other exclusions including:

Illegal Acts or Costs of Defense for Criminal Prosecution

We’re here to protect you from financial risks resulting from unintentional, honest mistakes. Therefore, please understand that breaking the law is outside of the scope of what we can cover.

Regular Accidents That Aren’t Related to Your Expertise

Trips, falls, and other incidents can occur in any industry—but they're covered with a general liability policy rather than a professional liability (E&O) policy.

Employee Injuries and Related Costs

To pay for your employees’ health care bills and lost wages in the event of an on-the-job injury, you’ll need a workers’ compensation policy.

Damages to Your Business Property

To protect your company's assets, such as computers, tools, or other necessities, you'll need a policy that offers property coverage, such as our business owners policy (BOP).

What Does Professional Liability (E&O) Insurance Cost?

Typically, biBerk’s professional liability (E&O) insurance policies start around $300 and can go up into the thousands. We’re always happy to provide an individual educator insurance quote. This cost is based on several factors, such as your specific industry, the level of coverage you choose, your years in business, number of employees, revenue, and the policy limits you need. Professional liability insurance is an affordable way to further protect your business, but there are still ways you can further reduce the cost:

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biBerk Insurance Coverage by State

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How do I Save Money?

Purchase the right amount of coverage.
The higher the amount of coverage you want, the higher your premiums will be. For example, all else being equal, $500,000 in coverage will cost less than $2 million in coverage.
Choose a higher deductible.
Just like with auto insurance, higher deductibles mean lower premiums. Just be sure to carefully assess your needs and your budget.
Buy from biBerk.
When you choose us for your teacher insurance liability policy over other providers, you’ll save up to 20%. Plus, you’ll have the peace of mind that comes with our more than 40 years of insurance experience.

Get a Quote Today

Trust biBerk to provide the right professional liability (E&O) insurance for your small business.
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