Education Industry

Education
Industry

INC agents specialize in developing personalized coverage solutions for educators, acknowledging and addressing their unique needs and potential risks. They offer individualized guidance on liability, property, and other essential policies, ensuring comprehensive protection tailored to the specific challenges faced by educators. Drawing on their expertise in understanding the intricacies of the education sector, INC insurance agents empower educators to make informed decisions for their financial security.

Health Coverage/Employee Benefits

Life Insurance

General Liability

Other Coverages

Customized teaching and child care business insurance

Whether you’re hosting an online class or keeping a watchful eye on infants at your daycare, INC Insurance is a one-stop shop for education business insurance. We deliver easy, affordable insurance so you don’t need a cheatsheet to figure out the coverage that is best for you.

Why do teachers need businesses insurance?

Business insurance offers you protection from a wide range of unexpected events and accidents, from an employee injury to a crash involving your work vehicle.

As a retail business owner, you’re sometimes required to have insurance to get business licenses and to sell goods and services. It’s required by retail platforms like Amazon once you sell $10,000 a month for three consecutive months. With the right coverage, you can do your work and focus on the job at hand without worrying about those pesky “what if” scenarios.

Education liability insurance

Teacher liability insurance can help cover costs if someone accuses you of causing an injury or damaging property that doesn’t belong to you. It’s usually required if you sign a contract to work with a school or if you rent a commercial property for your learning or day care center.

We combine two types of liability insurance in our business insurance packages:

Other important business insurance coverage for teachers

Liability insurance is essential but you may want to add other types of business insurance to protect yourself, your work vehicles and your employees.

Workers’ Compensation retail businesses

Workplace injuries happen more frequently than you might think, especially in your line of work. Workers’ comp insurance for retail makes those situations easier by helping to pay for medical bills for injuries and illnesses that happen to you or your employees while on the job. Workers’ comp can also help to cover lost wages while recuperating from accidentally dropping a heavy box on your foot while restocking shelves.

This coverage is required for businesses with employees in every state except Texas.

We typically recommend:

Health insurance

Education is a cornerstone for individuals pursuing knowledge and skills, and having access to reliable health insurance is equally crucial in this sector. Many in the education field may not have the luxury of employer-sponsored benefits, making them vulnerable to high healthcare costs. A robust health insurance plan serves as a safety net, ensuring that those in the education sector can afford essential medical care, preventive services, and unexpected health expenses. This not only fosters the well-being of educators but also contributes to the overall stability and sustainability of educational institutions.

General Liability

Education professionals also benefit greatly from general liability insurance, which serves as a crucial safeguard against potential legal and financial risks. In the absence of employer-based coverage, independent workers in the education sector may find themselves personally responsible for accidents, property damage, or legal claims related to their work. General liability insurance steps in to alleviate these concerns by covering legal defense costs and potential settlements. This insurance provides a solid foundation, allowing independent workers in the education field to run their businesses confidently, ensuring both their financial security and the longevity of their assets.

Workers’ Compensation

Accidents can occur more frequently than you’d expect, particularly in the dynamic environment of the education sector.

Workers’ compensation can assist in covering medical expenses in the event of a workplace injury or illness. Additionally, it provides support for lost wages during the recovery period.

Consider including owner’s coverage in your policy to ensure comprehensive protection.