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Why do CPR and first aid instructors need insurance?
Your students could depend on your life-saving techniques in a crisis. A mistake in training could lead to an injury – or even death. It’s vital to secure liability insurance to protect your small business from malpractice lawsuits, training injuries, and accidents. You may also need business insurance to comply with state laws or the terms of a commercial lease.
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With Insureon, CPR and first aid instructors can get insurance coverage the same day they apply for quotes.
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What types of business insurance do CPR and first aid instructors need?
These insurance policies cover the most common risks of first aid training.
General liability insurance
This policy covers common CPR and first aid instruction risks, such as a bodily injury during training. Bundle it with property insurance for savings in a business owner’s policy.
BEST FOR
- Slip-and-fall accidents
- Student property damage
- Libel and other advertising injuries
Business owner’s policy
A BOP bundles commercial property insurance and general liability coverage under one plan. It's one of the most cost-effective commercial insurance policies for first aid instructors.
BEST FOR
- Slip-and-fall accidents
- Damaged student property
- Business property damage and theft
Workers’ compensation insurance
Most states require workers' comp for first aid instruction businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Lawsuits over employee injuries
Professional liability / medical malpractice
A professional liability insurance policy covers legal defense costs if a student sues over a mistake, such as failure to properly teach a technique. It's also called malpractice insurance.
BEST FOR
- Failure to teach effective CPR
- Accusations of negligence
- Mistakes or oversights
Commercial auto insurance
Most states require commercial auto insurance for vehicles owned by a CPR training business. It helps cover the cost of an accident involving your business vehicle.
BEST FOR
- Damage caused by your vehicle
- Medical bills from an auto accident
- Vehicle theft and vandalism
Cyber insurance
This policy helps first aid instructors recover financially from cyberattacks and data breaches. It's recommended for any small business that handles private information.
BEST FOR
- Data breach notification costs
- Fraud monitoring services
- Legal fees and fines
Looking for different coverage? See more policies.
How much does business insurance cost for healthcare professionals?
A small business with a few CPR trainers will pay less for insurance than a larger company.
Factors that affect premiums include:
- Healthcare services offered
- Medical equipment and property
- Business income
- Types of insurance purchased
- Policy limits and deductibles
How do I get CPR instructor insurance?
It's easy to get CPR and first aid instructor insurance if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your training center, whether you’re self-employed or hire employees.
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