![]() He said that many carriers most likely won't cover because they will consider it a business similar to a daycare. Mark Williams, CEO of Brokers International, told Business Insider that generally homeowners insurance doesn't cover a home-based business. The answer as to whether your homeowners insurance will cover your learning pod will vary based on your state and if you are a professional educator operating the pod. Which begs the question, is your learning pod considered as a home-based daycare in your state? If so, you may need to follow state safety guidelines if you are hosting the pod in your home. Other states have stricter standards for social distancing in education environments like daycares and schools. Some states are following CDC regulations for in-person instruction. Liability coverage for learning pods will be policy-specificīecause there is no federally mandated COVID-19 safety requirement, safety guidelines for educators vary by state. ![]() If your state considers a learning pod a home-based business or you are an educator, then you may need professional liability coverage. These are all questions that can only be answered by your provider. What if you are inviting children and teachers in your home and someone is injured or tests positive for COVID-19? Are you required to follow CDC social distancing and safety guidelines? Is a learning pod considered part of the normal activities covered under your homeowners policy? Therefore, coverage may vary depending on your insurance provider. However, learning pods are a new and novel outgrowth for education alternatives as a result of the coronavirus pandemic. If the mailman slips and fall on your sidewalk, the dog bites a guest, a tree falls on your roof, or the neighbor's kid injures himself doing a cannonball in your swimming pool, homeowners insurance can protect you. If you are the parent hosting your neighborhood learning pod, the pod may be classified as a home-based business. If you are a credentialed teacher offering this service in your home, you may have state regulations you must comply with as a licensed professional educator. Unlike homeschooling, learning pods are more akin to a home-based daycare. Homeschooling is generally a parent taking on the responsibility of developing the curriculum and teaching their children. Learning pods are more like daycare than homeschooling ![]() If you are considering hosting a learning pod in your home, you need to talk to your homeowners insurance provider. There are liability concerns if a teacher or child is injured or tests positive for COVID-19 at a pod. The pods are small groups of children, usually three to six, and one parent hosts "classroom" in their home according to the Los Angeles Times. To defray the cost of hiring a tutor or licensed teacher, middle-class parents ask neighbors to join. This trend started among wealthy parents who could afford to hire a private tutor. ![]() Some parents who don't feel comfortable sending their kids back to school in masks - even part-time - and aren't up for homeschooling have created an alternative: learning pods. Remember the back-to-school commercials with parents gleefully skipping down the aisle throwing school supplies in the shopping cart while children sulked behind and "It's the Most Wonderful Time of the Year" played in the background? This back-to-school season is different. By clicking ‘Sign up’, you agree to receive marketing emails from InsiderĪs well as other partner offers and accept our ![]()
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