Educators Professional Liability Insurance

Educators Professional Liability Insurance

What the Policy Covers/Pays:

Coverage A - Liability Insurance

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

  • Applies in the event a member is alleged to have caused injury or damage to others while performing his/her professional duties.
  • Errors and omissions insurance for claims for damages arising out of a member’s duties as a professional educator, including all defense costs.

Note: The duty of the insurer to defend extends even to groundless, false and frivolous suits and accusations.

Coverage B - Reimbursement of Attorney Fees

Up To $5,000 per claim, per insured. Coverage for criminal proceedings and/or sexual misconduct limited to $10,000 aggregate per policy term.

  • The policy provides reimbursement of attorney fees in a broad range of situations not included under Coverage A. This includes allegations of criminal and/or sexual misconduct and employment related actions against an educator involving dismissal, revocation of certification and other professional rights and duties.
  • In actions involving termination, salary, reassignment, certification or resignation, the matter in dispute must be resolved in favor of the member to qualify for the full reimbursement of $5,000. However, $1,000 of this amount is available for initial consultation and research, whether or not the member prevails, to determine if there exists a reasonable chance of the case being resolved in the member’s favor.

Coverage C - Bail Bonds

Up to $1,000 premium on bail bonds


Coverage Features

Criminal/Sexual Misconduct Allegations

The policy provides reimbursement of attorney fees up to $5,000 under Coverage B if the educator is acting in the scope of his/her duties.

Corporal Punishment

Corporal punishment is covered under Coverage A (Liability) if administered according to the rules of the jurisdiction in which the school is located.


The Value of This Insurance

Coverage A - Liability

Protection for your assets if you are named in a lawsuit due to an event arising in the course and scope of your employemnt.

Coverage B - Reimbursement of Attorney Fees

Peace of mind in the workplace if there is an action or proceeding against you involving:

  • Supervision, tenure, salary, leave of absence or dismissal
  • Allegations of improper disciline of a student
  • Allegations of improper contact with a student
  • Allegations of sexual harassment
  • Allegations of violation of civil rights (if excluded under A)
  • Certification or lecensure

Coverage C - Bail Bonds


Questions to Ask Yourself

Do you have the financial ability to defend yourself in the event of a claim?

Do you have the experience to find the best legal counsel for your situation?

Recent Claims--Coverage A

An insured member was named in a lawsuit alleging a plaintiff was strip searched for suspected marijuana possession. This occurred in the presence of the principal. Due to the conflict of interest, the district would not defend the member. Over $60,000 has been paid to date by this policy.

A lawsuit with allegations that a member both physically and verbally harmed a special needs student is pending and defensible. The school district settled the case to its limit of coverage. More than $500,000 has been paid on the member’s behalf.

A lawsuit was filed after a school sporting event alleging hazing/bullying of a student on a bus. Expenses and reserves exceed $75,000.

Recent claims--Coverage B

Sexual misconduct--alleged inappropriate conduct with a female student. The insured was acquitted and the attorney reimbursed to the limit of Coverage B.

A teacher was terminated from his coaching position due to alleged violation of school regulations. He was successfully defended and retained employment. His attorney was reimbursed $5,000.


If you are interested in this insurance, select "Yes, enroll me in the Supplemental Liability Insurance Coverage Plan - $51" on page 2 of the CCOSA Membership Form. Supplemental Liability Insurance Coverage is avaialbel for active CCOSA members, witht he exception of associate, university associate, business associate, national members, and OARSA members. Coverage will be from the date your payment is received through June 30, 2018.


Click Here to download the Educators Professional Liability Insurance Program Brochure in pdf format.

Offered by: Frates Insurance & Risk Management
405-290-5611
www.fratesinsurance.com

Supervising General Agent: Myron Steves Educators Liability

Underwritten by Carrier rated A+XV
Superior by A.M. Best


THIS IS NOT A CERTIFIED COPY OF THE POLICY BUT A SUMMARY AND IS PROVIDED FOR REFERENCE ONLY. ALL COVERAGE PROVIDED UNDER THE TERMS OF THE POLICY IN THE EVENT OF A LOSS OR OCCURRENCE IS SUBJECT TO THE EXCLUSIONS AND CONDITIONS CONTAINED IN THE MASTER POLICY ON FILE WITH THE POLICYHOLDER, INCLUDING ALL AMENDMENTS, ENDORSEMENTS, AND ADDITIONS.