Educational Testing & Evaluation Services Insurance

This page covers both educational testing services and educational testing evaluation services under one policy — administering educational assessments, scoring and interpreting results, and delivering evaluation reports and professional recommendations based on them. If your work touches any part of that process, this is the right page rather than needing two separate ones.

For testing and evaluation practices, the written report is often the direct work product a client is paying for, which makes Professional Liability / E&O particularly central here. A typical claim scenario alleges that a score was recorded or interpreted incorrectly, or that an evaluation report’s conclusions were negligent — not that a physical accident occurred.

Coverage may help respond to certain covered claims of that kind, subject to the policy’s terms, conditions, and exclusions. It is not a guarantee that a particular score, interpretation, or recommendation was correct, and it does not cover every disagreement with a result.

Beyond the professional-opinion exposure, testing often happens in person — at a family’s home, a library, a rented office, or a school. General Liability is the separate coverage designed to respond to eligible third-party bodily injury or property damage connected to those sessions, distinct from the accuracy of the testing itself. See our General Liability page for how the two coverages divide the risk.

Testing and evaluation providers frequently work under contract with schools or districts, which tends to come with stricter insurance requirements than working directly with families — specific limits, additional insured status, and a certificate of insurance before work begins. See our Requirements page for how to read a typical district contract clause.

This program is built for educational testing and evaluation — not for clinical or diagnostic psychological testing performed by a licensed psychologist, which is a different professional activity with its own licensing and appetite considerations. If your practice includes clinical psychological assessment, describe that specifically on the quote form so we can confirm what’s eligible.

Retaining test protocols, scoring worksheets, and copies of delivered evaluation reports gives both you and your carrier something concrete to point to if a result is ever challenged. We generally recommend keeping these records well past the point an engagement wraps up, not just through delivery of the final report.