Policy

What the policy covers

What the Policy Pays

Coverage A:
Broad Insuring Clause Liability

A True Professional Liability Policy:

Errors and omissions insurance for claims for damages arising out of a member's duties as a professional educator, including all defense costs.

The occurrence giving rise to such claims is simply defined as an event which results in damages to some other person.

Up to $1,000,000 per Insured per occurrence/$3,000,000 per occurrence, plus the cost of defense, investigation and legal fees.*

Coverage B:
Attorney Fees Reimbursement Clause

This coverage provides for reimbursement of attorney fees in a broad range of situations not insured under coverage A such as:

Criminal charges, allegations of sexual misconduct, actions involving dismissal, revocation of certification, and other professional rights and duties. As respects some of these situations, payment of attorney fees is contingent on the Educator's prevailing. In such cases, $500 (for consultation or otherwise) is reimbursed without regard to that outcome.

Up to $5,000 per claim per Insured Coverage for criminal proceedings and/or sexual misconduct limited to $10,000 aggregate per member per policy year.

Coverage C

Provides for payment of premium on bail bonds.

Up to $1,000 premium on bail bonds.

Special Features:
Coverage A

Corporal Punishment

The policy wording with respect to corporal punishment is vital to the professional educator. Relevant sections of our policy make it clear that coverage applies under A ($1,000,000 limit plus defense costs) regardless of whether the act be deemed civil or criminal. Furthermore, the customary exclusion of damages resulting from intentional acts has been carefully worded to clarify that corporal punishment is covered even though intentional.

Outside Activities

As long as the professional educator is within the scope of his/her professional duties, the policy covers liability for injury to students and others while the educator is conducting visits to industrial and commercial establishments, entertainment centers, outings, picnics and other similar school functions, subject to specific automobile, watercraft, and aircraft exclusions.

Product Liability

There is no product liability exclusion. While the serving of food is usually the responsibility of the school, this policy would also provide liability insurance for the furnishing of food in connection with trips, picnics, parties, and similar events.

Special Features:
Coverage B

Reimbursement of Attorney Fees

Such reimbursement as is afforded the member for actions involving tenure, dismissal, revocation of certification and other professional rights and duties guaranteed under the policy and is not contingent on the approval of a board or review committee, as might be the case where the only available assistance is from a defense fund.