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Educator’s Professional Liability
Professional liability coverage focused on educators.
Your primary concern is the education and welfare of your students. However, as an educator or administrator, your risk for being accused of any number of wrongful acts increases daily. Even an innocent comment or action could bring a claim against you from a parent or even the school.
For more than 30 years, AIM has protected good people doing good things. We are very involved in protecting parent teacher groups, but we also provide Educator’s Professional Liability options that anticipate your unique needs and are ready to safeguard your teaching career.
Coverage Highlights
- Errors and Omissions Policy Limit: $1,000,000 per occurrence (including attorney fees)
- Attorney Fees Reimbursement (reimbursement based upon actions): $5,000 (This includes fees reimbursement in connection with wrongful termination.) – (Full reimbursement benefits subject to judgment in favor of insured.)
- Defense of sexual misconduct or constitutional violation, which is not otherwise covered under liability.
- In connection with the dismissal, wrongful termination, tenure, salary, leave of absence, assignment or resignation.
- In connection with an alleged criminal action.
- Bail Bond Premium Reimbursement: $1,000
- Supplementary Payments: Up to $1,000
- Loss of wages or expenses incurred due to required arbitration proceedings or trial relating to a covered claim.
Why do I need this insurance? Doesn’t the school carry insurance for teachers?
While many school districts offer teachers a form of educator’s insurance, they don’t provide coverage if the district takes an action against the teacher.
A primary reason to purchase your own coverage is to ensure protection in situations your school can’t, or won’t defend you in. If you are wrongfully terminated, accused of a criminal action, have disagreements over tenure, salary, or leave of absence, the school insurance policy won’t protect you.
Who is Eligible?
Most full-time employees of the public school systems including teachers (substitute, visiting or intern teachers), administrators, interpreters, band/choral directors, coaches, curriculum directors, department heads or chairs, librarians, principals, assistant principals, superintendents or associate or assistant superintendents, educational aides, and other professional service providers.