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If you drop your student's laptop during a tutoring session, they can bring a lawsuit against you. General liability can cover both the lawsuit and settlement.
If a parent accuses you of failing to prepare their child for a test, they can bring a claim against you. Professional liability can cover both the legal fees and potential damages of the claim.
Business Personal Property
If the property used for your business is damaged in a fire or stolen, you can be covered for its replacement.
Data Security/Cyber Liability
If your computer is hacked and your client's information is stolen, most states require that you notify each client in writing & supply credit monitoring. Cyber liability can cover the costs and guide you through the process.
Coverage is based on the terms, conditions, limitations and exclusions of your policy. Be sure to read your policy to verify your coverage.