Has anyone ever seen an E&O claim for a tutor? That would not fall under a deductible at that? This seems like a silly product.
For abuse, aren’t many tutors individuals? Don’t most abuse forms protect the corporate entity but not the individual perp? I can see this being an exposure for tutors or anyone working with children but tutor E&O?
I respectfully disagree. Tutors are professionals and they face both Professional Liability and Abuse or Molestation exposure in their professional services. We are offering coverage for entities who employ Tutors. It is not for individuals at this time. If you would like more info please inquire.
Sorry, I’m not sure what you disagree with. That I think it’s silly I guess. I asked if anyone has ever seen an E&O claim on this class at all, especially one that would not fall under a deductible on Tutor E&O. Instead of offering any claim examples or affirming that you’ve seen one, you simply repeat that you believe they are “professionals” and they face both “professional liability” and abuse exposures (which I had already conceded in my post).
Have any links to stories in the news about tutors being sued for E&O?
Someone going to sue because their child didn’t pass a test? Sure…
As I thought on abuse, it was confirmed that it is for a corporate entity. Thank you.
For “professional,” I believe our industry over-uses this coverage and exclusion. Often poor General Liability underwriters and brokers think they are removing exposures simply by adding vague “professional liability exclusions” to GL policies. Others have attempted to turn every profession into “professionals.”
Tutors can range from a fellow high school student tutoring another student (say, a middle school student) on a math test to former teachers tutoring someone in Spanish. Both are now “professionals” simply for this?
I googled various phrases like “tutor sued” and came up with a grand total of about 2 bogus lawsuits years ago that settled for about $5k. Teachers in classrooms I can see. Private tutoring, I stand by the view that I think claims are few to rare.
Has anyone ever seen an E&O claim for a tutor? That would not fall under a deductible at that? This seems like a silly product.
For abuse, aren’t many tutors individuals? Don’t most abuse forms protect the corporate entity but not the individual perp? I can see this being an exposure for tutors or anyone working with children but tutor E&O?
I respectfully disagree. Tutors are professionals and they face both Professional Liability and Abuse or Molestation exposure in their professional services. We are offering coverage for entities who employ Tutors. It is not for individuals at this time. If you would like more info please inquire.
Sorry, I’m not sure what you disagree with. That I think it’s silly I guess. I asked if anyone has ever seen an E&O claim on this class at all, especially one that would not fall under a deductible on Tutor E&O. Instead of offering any claim examples or affirming that you’ve seen one, you simply repeat that you believe they are “professionals” and they face both “professional liability” and abuse exposures (which I had already conceded in my post).
Have any links to stories in the news about tutors being sued for E&O?
Someone going to sue because their child didn’t pass a test? Sure…
As I thought on abuse, it was confirmed that it is for a corporate entity. Thank you.
For “professional,” I believe our industry over-uses this coverage and exclusion. Often poor General Liability underwriters and brokers think they are removing exposures simply by adding vague “professional liability exclusions” to GL policies. Others have attempted to turn every profession into “professionals.”
Tutors can range from a fellow high school student tutoring another student (say, a middle school student) on a math test to former teachers tutoring someone in Spanish. Both are now “professionals” simply for this?
I googled various phrases like “tutor sued” and came up with a grand total of about 2 bogus lawsuits years ago that settled for about $5k. Teachers in classrooms I can see. Private tutoring, I stand by the view that I think claims are few to rare.