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Insurance Coverage Benefits
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Coverage A - Liability Coverage

Up to $2,000,000 per insured per occurrence/$3,000,000 per occurrence, plus the cost of defense, investigation and legal fees

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

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 $20,000 per claim, per insured for Criminal Proceedings and/or Sexual Misconduct.  

Peace of mind in the workplace if there is an action or proceeding against you involving allegations of criminal conduct, sexual harassment, or improper touching of a student 

The policy provides reimbursement of attorney fees for allegations of criminal and/or sexual misconduct if found not guilty or dismissed with prejudice.  
Annual aggregate per insured  limit: $20,000
Annual aggregate, all claims, limit: $1,000,000

 

Covergage C: Bail Bonds

Up to $5,000 coverage for bail bonds, per bail bond, per insured

 

Coverage - Reimbursement of Attorney Fees for Identity Theft

Up to $10,000 per insured

 

Coverage - Assault Related Personal Property Damage

Up to $2,500 per insured

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