CPT Risk Assessment & Mitigation 3 — Questions and Answers
Question 1: A student's learning disability was not disclosed at intake but becomes apparent after several sessions. The tutor should FIRST:
- End the engagement immediately
- Privately research the disability and adjust without informing parents
- Discuss observations with parents and suggest a formal evaluation (Correct answer)
- Continue the original plan since it may still work
Correct answer: Discuss observations with parents and suggest a formal evaluation
Raising observations with parents and recommending formal evaluation ensures the student receives appropriate support while staying within the tutor's professional scope.
Question 2: Which of the following represents a physical safety risk unique to in-home tutoring sessions?
- Student using incorrect grammar
- Tutor being alone with a minor without any adult present (Correct answer)
- Student arriving late to sessions
- Tutor using unfamiliar curriculum materials
Correct answer: Tutor being alone with a minor without any adult present
Being alone with a minor without another adult present creates a child protection risk and potential liability for the tutor.
Question 3: What is the PRIMARY purpose of obtaining liability insurance as a private tutor?
- To attract higher-paying clients
- To transfer financial risk from professional errors or accidents to the insurer (Correct answer)
- To comply with state licensing requirements
- To avoid paying taxes on tutoring income
Correct answer: To transfer financial risk from professional errors or accidents to the insurer
Liability insurance transfers financial risk by covering legal costs and damages if a client makes a claim related to the tutor's professional services.
Question 4: When assessing the risk of a student plateauing, the tutor should look FIRST at:
- The student's attendance record
- Whether instructional methods align with the student's current learning needs (Correct answer)
- The number of sessions completed
- The student's grade history from three years ago
Correct answer: Whether instructional methods align with the student's current learning needs
Plateaus often signal a mismatch between teaching methods and current learning needs, making instructional alignment the first diagnostic area.
Question 5: A tutor shares student performance data in an online tutoring forum to get advice. The primary risk of this action is:
- Wasting professional development time
- Violating student privacy and breaching confidentiality obligations (Correct answer)
- Providing inaccurate data to peers
- Attracting unwanted competition
Correct answer: Violating student privacy and breaching confidentiality obligations
Sharing identifiable student information in public or semi-public forums violates privacy obligations and can expose the tutor to legal and reputational harm.
Question 6: Which risk mitigation measure is MOST effective when a student frequently cancels sessions?
- Charge the same rate regardless
- Implement a cancellation policy with advance notice requirements in the service agreement (Correct answer)
- Immediately drop the student
- Double-book every time slot
Correct answer: Implement a cancellation policy with advance notice requirements in the service agreement
A clearly stated cancellation policy in the service agreement protects the tutor's income and sets mutual expectations for scheduling reliability.
Question 7: A certified private tutor is asked to diagnose a student with dyslexia. The appropriate response is to:
- Conduct an informal dyslexia screening and record a diagnosis
- Explain that diagnosis is outside the tutor's scope and refer to a licensed specialist (Correct answer)
- Recommend the parents purchase a self-assessment tool online
- Adjust lessons and note the diagnosis in progress reports
Correct answer: Explain that diagnosis is outside the tutor's scope and refer to a licensed specialist
Diagnosing learning disabilities is outside a tutor's professional scope; referral to a licensed psychologist or specialist is the correct and legally safe course of action.
CPT Risk Assessment & Mitigation 3
A student's learning disability was not disclosed at intake but becomes apparent after several sessions.
The tutor should FIRST: