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Policy provides $1,000,000 of coverage per Insured per occurrence and $3,000,000 per insured aggregate per year for protection against lawsuits. Defense costs are paid in addition to this amount.

Educational employees are more at risk than ever to be accused of doing something harmful during their interactions with students. Our society has become very litigious and you should not have to face this environment alone and risk your entire life savings. That’s why professional liability is a must for all employees in the education field. Liability insurance gives you that peace of mind, knowing that you’ll have someone to represent you and provide for your financial needs should it be necessary.

Professional Liability Insurance protects you, as an educational employee, in the event that a student or parent was to accuse you of such things as discrimination, injuries to students, non compliance with ADA guidelines, and more. NPEA’s policy also provides reimbursement for alleged criminal acts. This includes sexual misconduct coverage and the policy will provide up to $35,000 in reimbursement of attorney fees if not guilty or if the case is dismissed.

Coverage A–Liability

An educator was sued for failure to supervise after a student was injured using a table saw in shop class.

A history professor was sued by a student for allegedly making disparaging remarks about Christianity in his class and fostering a hostile environment toward Christians.

A college student sued her professor and the director of her degree program, alleging that they conspired to prevent her from attaining a master’s degree by giving her a lower grade.

A university professor was sued for putting a student on academic probation that resulted in the student’s dismissal.

Coverage B–Reimbursement of Attorney Fees for Criminal Proceedings

An insured was accused of indecent sexual conduct with three students during the school day. A criminal investigation ensued and the member was subsequently exonerated. The carrier reimbursed the member’s attorney for the full $35,000.

An insured was arrested and criminal charges were filed for assault of a student. After the investigation was completed, the insured was found not guilty and the policy paid $21,000 to reimburse attorney fees.