Educators Professional Liability Insurance

Teaching is one of the most rewarding career paths in existence, though it is common knowledge that educators don’t do it for the money. Like all jobs, it comes with risks, but when a claim is filed against a teacher the results can be particularly devastating due to both the financial repercussions and the fact that it can make it challenging for the teacher to find a position elsewhere. It is therefore important for everyone in teaching to be protected with a good educator’s professional liability insurance policy. 

How it Works

People can file claims against educators for a wide variety of reasons: from injuries taking place in the classroom to accusations of stealing research or failing to teach necessary material. The repercussions of these claims can linger after a teacher has already lost his or her job, especially since they will not have an employer or district present to defend them. This is why individualized Professional Liability policies can be so useful, as they will help to ensure that the educator does not take too much of a financial hit. The policy will pay for legal costs (up to the coverage limit, which is usually quite high) and in many cases may even help make it possible to settle claims early, without having to go to court and make a scene.

Getting Started

Some school districts or private institutions may already have certain liability insurance requirements for their educators. To get started, gather basic information like the number of s students you have, any potential risks in or out of the classroom (potential field trips included), the subject(s) you teach and of course your own personal experience in the field. When you are ready, chat with an experienced insurance agent about your specific coverage concerns and needs.