Car driving specialty schools are tricky to insure. Besides the auto liability perils involved with an inexperienced driver at the wheel in relation to others, there are numerous other risk considerations:
- The possibility of Workers Comp losses in relation to instructors
- The potential of auto-linked injuries to the student driver
- Physical damage to the vehicle
The driving school insurance coverage has the same protection as any personal auto plan – theft, injury and damage related to an accident. It also covers the student driver throughout the lessons without specifically naming him or her on the policy.
Due to the extra risks involving inexperienced young drivers, this government mandated insurance is more costly than the standard commercial auto insurance coverage.
The small auto driving school can opt to buy individual insurance for each instructor. Bigger schools that employ more instructors, however, are best off with one all-inclusive policy that protects all driving instructors under one plan.
Driving instructing school owners need to be aware that any instructor with a criminal or poor driving record that is involved in a work-related collision will cause the insurance premiums to increase. For this reason, it is best to do a proper background check prior to hiring.
Of course, a discussion with an insurance specialist from an experienced independent agency is the best way to educate yourself and become an informed insurance consumer.
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Summary: The auto driving school faces particularly high risk exposure, necessitating tailored specialty commercial insurance coverage.