Protecting Your Business from Liability Risks
Running a driving school means putting new drivers behind the wheel every day. While this is a necessary step in helping students learn, it also introduces risks that could leave your business vulnerable. That’s why having the right insurance coverage isn’t just a good idea—it’s essential.
At Ferrari & Associates, we work closely with driving school owners to ensure they have comprehensive insurance that protects their vehicles, instructors, students, and business operations.
Understanding the Key Insurance Coverages for Driving Schools
Driving schools face unique risks, which is why standard commercial auto policies may not provide enough protection. Here are the key coverages every driving school should consider:
- Commercial Auto Insurance: Covers damage to your fleet of training vehicles and liability for accidents involving your students.
- General Liability Insurance: Protects against claims of bodily injury or property damage that occur during instruction, whether in the classroom or on the road.
- Professional Liability (Errors & Omissions) Insurance: Covers claims arising from allegations of improper instruction that result in accidents or driver incompetency.
- Workers’ Compensation Insurance: Required in most provinces, this coverage protects instructors in case of injury while on the job.
Why Standard Commercial Auto Insurance Isn’t Enough
A typical commercial auto policy might not cover vehicles used for student training. That’s because insurers see a higher risk when inexperienced drivers are behind the wheel. Driving schools need policies that specifically account for these risks, ensuring coverage applies even when a student makes a mistake during a lesson.
Protecting Your Business Against Unexpected Risks
Accidents can happen even with the best instructors and the safest vehicles. Without the right coverage, a single claim could put your entire business at risk. At Ferrari & Associates, we tailor insurance policies to meet the unique needs of driving schools, providing peace of mind while you focus on training the next generation of drivers.
Want to ensure your driving school has the right coverage? Contact us today for a customized insurance quote.
