Insurance for Your Fleet, Instructors & Students

Driving school Insurance

Finding the right insurance for your driving school or instruction business can be challenging. With limited options for comprehensive coverage, securing the best protection at a competitive price has never been more important. At Ferrari & Associates, we understand the unique risks driving schools and instructors face. That’s why we’ve developed an exclusive insurance program designed to cover your vehicles, your instructors, and your business operations—no matter how your vehicles are used or who is behind the wheel.

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Comprehensive Coverage for Driving Schools

Our enhanced driving school insurance program provides protection for fleet and individual vehicles, instructors and household drivers, rideshares and we offer Commercial General Liability (CGL) policies to cover both in-class and virtual training environments.

Fleets & Individual Vehicle Coverage

Protect your entire fleet or individual vehicles, ensuring you’re covered no matter how you operate.

This comprehensive coverage allows for flexibility, catering to the unique needs of each vehicle within your fleet as well as offering tailored solutions for standalone vehicles.

By securing the right insurance, you not only safeguard your assets but also enhance your peace of mind, knowing that you are prepared for any unforeseen circumstances that may arise on the road.

Whether you manage a large fleet or simply own a single vehicle, you can rest assured that you have made a wise investment in your protection and operational stability.

Instructor & Household Driver Protection

Coverage extends to instructors, their spouses, and household members aged 25 and older, ensuring that a wide range of individuals can benefit from the protection provided.

This means that not only the instructors themselves but also their immediate family members are included in this insurance plan. For those looking to add extra coverage, drivers aged 17 to 24 can be included for an additional premium, allowing families with younger drivers to have peace of mind while on the road.

This option is particularly valuable for instructors who may have children or younger relatives in that age group, as it offers an extra layer of security for them.

Insurance for Uber, Lyft and other Ridesharing

Our new insurance program offers Rideshare-Friendly Policies and designed for instructors who utilize their personal vehicles for ridesharing services such as Uber or Lyft.

This initiative ensures that instructors are adequately protected while they transport passengers and fulfill their driving duties.

Te coverage offered is designed to suit the specific needs of these instructors, allowing them to focus on providing excellent service without worrying about potential financial liabilities.

Ultimately, our insurance program aims to promote a safer and more secure environment for both instructors and riders alike.

Our business insurance solutions provide coverage for business owners and those who drive for a living.

Commercial automotive insurance

Business Cases

Businesses rely on vehicles for various purposes—transporting goods, delivering services, or, for some, even as a mobile office. Accidents or damages to these vehicles can result in significant financial losses, not just from repairs or replacements but also from potential legal liabilities. Commercial auto insurance provides coverage that personal auto insurance policies simply do not. Our insurance experts ensure your business is protected from these risks.

An instructor's vehicle used for Uber is involved in an accident

An instructor at a driving school uses their personal vehicle to train students and also drives for a rideshare company like Uber or Lyft during off-hours. One evening, while driving for Uber, they are involved in a collision, but their personal insurance denies the claim because the vehicle was being used for a commercial activity. To address this situation, a suitable coverage solution would include fleet or individual vehicle insurance to ensure the instructor’s car is covered for both driving lessons and rideshare services, along with instructor liability coverage to protect the driving school from liability if the instructor is involved in an accident during training.

A driving school expands its business by offering virtual classroom instruction through online webinars, but a student misinterprets a lesson on right-of-way rules, follows incorrect advice, and subsequently causes an accident, leading the student to sue the driving school for providing misleading training materials. To address such risks, the school secures a robust coverage solution that includes Commercial General Liability (CGL) specifically tailored for Virtual Classroom Coverage, which protects against claims of misinformation, negligence, or errors in training materials, as well as Errors & Omissions (E&O) Insurance that provides coverage for lawsuits alleging that the school’s advice or educational services caused harm.

*The information provided on this page is for information purposes only and should not be taken as insurance advice. For actual insurance advice, please fill out one of our forms, or call Ferrari & Associates at 1-888-467-8989

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