Educator’s Professional Liability
Educators Professional Liability Insurance – Protect Your Teaching Career
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. That is why teacher liability insurance has become essential for today’s educators.
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 educators professional liability insurance options that anticipate your unique needs and are ready to safeguard your teaching career.
Unlike coverage provided by the school district, liability insurance provided by AIM is for teachers – it protects you even when your employer is the one taking action against you. Whether you face a parent complaint, a student allegation, or a dispute with your administration, your educator insurance policy provides the legal defense and financial protection you need.
What Does Educators Professional Liability Insurance Cover?
The AIM teacher liability insurance policy includes the following 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.
The AIM professional liability insurance for educators gives you peace of mind knowing you have $1,000,000 in protection if a claim arises. This includes losses from wrongful termination disputes to criminal allegations. Purchasing teachers liability insurance extends coverage for situations that school district policies typically exclude.
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.
What Does Educators Professional Liability Insurance Cover?
The AIM teacher liability insurance policy includes the following 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.
The AIM professional liability insurance for educators gives you peace of mind knowing you have $1,000,000 in protection if a claim arises. This includes losses from wrongful termination disputes to criminal allegations. Purchasing teachers liability insurance extends coverage for situations that school district policies typically exclude.
Frequently Asked Questions About Educators Professional Liability Insurance
Why do educators need their own professional liability insurance?
The AIM educators professional liability coverage protects you in situations where your school can’t or won’t defend you. This includes wrongful termination, tenure disputes, salary disagreements, or leave of absence issues. School district insurance only covers you when they’re on your side – not when they take action against you.
What does educators professional liability insurance cover?
This coverage protects you should someone hold you liable for wrongful acts in the scope of your employment. It covers legal defense for wrongful termination, criminal accusations, tenure disputes, and salary disagreements. The insurance safeguards you when parents or even the school brings a claim against you.
Who qualifies for AIM's Educators Professional Liability?
Most full-time public school employees qualify for coverage. This includes teachers, substitute teachers, administrators, coaches, band directors, librarians, principals, superintendents, and educational aides. Professional service providers and department heads in public schools are also eligible.
How does educator insurance protect my teaching career?
Professional liability insurance provides legal defense and financial protection when you face accusations that could damage your career. Even innocent comments or actions can bring claims from parents or administrators. With over 30 years protecting educators, AIM anticipates your unique needs and safeguards your professional future.
When would I use my own educators liability coverage?
You would use your personal coverage when the school district takes action against you or refuses to provide defense. Common situations include wrongful termination claims, disagreements over tenure or salary, criminal accusations, or leave of absence disputes. Your coverage is often triggered in situations where school insurance won’t protect you.
What makes AIM's educator coverage different?
AIM has protected good people doing good things for more than 30 years. We understand both parent-teacher groups and individual educators needs. Our Educators Professional Liability options anticipate the unique risks teachers face daily and provide protection school district policies don’t offer.