Insurance for Driving Schools

Specialty insurance solutions tailored to your unique needs.
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Drive with confidence and go the extra mile with customized Driving School Insurance solutions from XINSURANCE.

XINSURANCE delivers industry-leading insurance coverage solutions for driving schools and driving instructors. We go beyond traditional policies to provide comprehensive protection, filling the gaps, and ensuring your driving school is covered.

Insurance for Driving Schools: Why You Should Have it

Insurance for driving schools is a crucial investment that safeguards your driving school business or driving instructor career. Having adequate driving school insurance provides you with the necessary protection against unforeseen risks and legal liabilities. It serves as a safety net, ensuring that you can effectively navigate through potential challenges, protect your assets, and maintain your professional reputation. With XINSURANCE, you can trust in our expertise and commitment to providing comprehensive insurance solutions tailored specifically to the unique needs of driving schools. We understand the importance of your business and are here to support your success by offering unmatched coverage solutions and peace of mind.

XINSURANCE provides customized insurance solutions for all kinds of driving schools and driving instructors. We can help you even if you’ve been canceled, declined, or non-renewed by another insurance company. Simply put, we provide a solution when others can’t or won’t. Get a quote today!

Who We Can Help

  • Standard Driving Schools
  • Driving Instructors
  • Defensive Driving Schools
  • Commercial Truck Driving Schools
  • Motorcycle Riding Schools
  • Racing Driving Schools
  • Teen Driver Education Programs
  • CDL Schools
  • And More!
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Driving School Insurance Coverage Options

Commercial General Liability

Provides coverage for injuries and property damage sustained by third parties.

Physical Damage

Provides protection against damage to the insured vehicle(s). This coverage can include collision coverage, which pays for damages caused by collisions with other vehicles or objects.

Professional Liability

Coverage for claims regarding negligent acts and more. Learn more.

TRU Umbrella

Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.

Alleged Assault and Battery Liability

Coverage for claims against you regarding assault and/or battery.

Alleged Sexual Abuse and Molestation Liability

Coverage for claims against you regarding sexual abuse and/or molestation.

Commercial Auto*

Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.

*Available in most states

Communicable Disease Liability

This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.

Inland Marine

Can provide physical damage protection for applicable equipment while it is being stored, transported, or rented. It can provide financial assistance in case of accidents, malfunctions, and limited theft coverage.

Personal Liability

Personal liability protection in the event of an accident and a claim is made against you. Learn more.

Property Coverage

Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.

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How To Get A Quote

Request Your Quote

Click the button below to get started on your quote

Specify Your Needs

We’ll schedule a call with you to consult on your needs, and collect more details

Get Your Custom Quote

We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy

Frequently Asked Questions About Driving School Insurance

Why do driving schools and driving instructors need insurance?

In general, you need insurance to help protect you when things go wrong. In life, you will learn how good your insurance partner is when what can happen does happen. XINSURANCE stands by your side when an accident, incident, claim, or lawsuit occurs. Having liability insurance as a driving school business or driving instructor can protect you from significant financial loss and can sometimes be the difference between staying in business and closing your doors. In some places, liability insurance may be required.

Driving instructors need insurance to safeguard themselves against potential liability claims if an accident or incident occurs during a driving lesson. Driving schools need insurance to protect themselves financially in the event of accidents, property damage, or liability claims that may arise during driver training sessions or on business property.

Can insurance for driving schools cover the vehicles used for training?

Yes, driving schools can obtain commercial auto insurance to cover the vehicles they use for training purposes. This helps protect against damage to the vehicles and any liability that may arise from accidents.

Is it necessary for driving schools to have insurance for their instructors?

While it may or may not be required by law depending on location, we highly encourage driving schools to have insurance for their instructors. Instructors should be covered under the driving school’s liability policy to protect them and the school from any potential legal claims or accidents that may occur during instruction.

A lot of driving schools don’t offer adequate coverage for its instructors. If you’re a driving instructor with an insurance policy through your employer, be sure to have XINSURANCE review your policy for you. At no charge or obligation, we can look at your current policy and identify any gaps and exclusions that leave you exposed to liability. Upon review, we may offer solutions that meet your needs.

How much does driving school insurance cost?

The cost of driving school insurance depends on various factors, such as the size of the school, number of instructors and vehicles, types of vehicles used, location, claims history, coverage limits desired, and more. It’s best to contact XINSURANCE to discuss your situation and insurance needs so we can provide a more accurate cost to you.

Driving instructor liability insurance

It’s scary enough to be in a car with a fifteen-year-old at the wheel. As a driving instructor, you don’t need the additional headache of worrying over insufficient insurance coverage. The job of a driving instructor is essential and perhaps undervalued in today’s society. The lessons you teach your students directly influence their safety and the safety of everyone else on the road. However, driving instruction is still a business, and you need to protect the business from the many different liabilities that could potentially take a significant cut into your profits.

Custom driving instructor liability insurance coverage solutions are available to ensure that exposure is kept to an absolute minimum. Anything from covering damage to your vehicle or your entire fleet of vehicles, damage from fire, theft, or the legal protection that has become increasingly necessary these days. Medical and non-fault accident coverage is also potentially available. Whether you run a small business and serve as the only employee or your business is booming, with the number of instructors and automobiles growing on a consistent basis, you need a comprehensive driving instructor insurance plan in place. It’s the only way to ensure that things will continue running smoothly.

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What our clients say

Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.

– Dave H.

They are amazing and always there to help you if you have any questions or concerns.

– Arlene A.

XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.

– Leslie A.

Your Trusted Team For Tackling the Unexpected

Fighting for You is What We do Best

At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.

Unique Requirements are Our Specialty

XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.

Built-For-You Flexibility & Dedicated Support

The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.

More of Your Coverage - All In One Place

Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.

What You Can Expect From Our Team

Insurance solutions tailored to your needs

Expansive coverage options

Expert support when facing frivolous charges

Dedicated support & service