Does a typical homeowner’s insurance policy cover having a tutor come into the home during the week to work with a child

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: May 4, 2013

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Insurance Question from Antioch, IL

Asked on 05/04/2013

Does a typical homeowner’s insurance policy cover having a tutor come into the home during the week to work with a child NULL

Answer given on July 03, 2013

If you hire a tutor to come to your home to teach your child, your homeowner policy will protect you for liability claims by the tutor. If the tutor is injured on your residence, due to your negligence, the insurance company will protect you and pay for injuries. An example of liability would be if the person were injured in a fall at your residence, or if your pet were to injure them. The tutor would not be considered an employee of yours so would not be eligible for any workers compensation benefits if they are injured.The tutor should be aware that if they cause any damage or injury to you or your family, their insurance may cover them. There is an exclusion for intentional acts or sexual assault on a child or adult. You may want to be sure the tutor has at least personal liability under a homeowner or renters insurance policy.

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