Professional Liability Coverage crafted to meet and exceed the plans offered by the largest school unions and organizations.  All provided through an  A+ Rated Insurance Provider that you can trust, and at the most competitive rate available.  We challenge you to shop around and compare.

If you currently have an individual policy through an organization or union, it is important to know who is insuring you.  Some of the largest teacher organizations provide insurance through less than A rated insurance providers.

If you were shopping for Auto Insurance would you choose an insurance provider that you have never heard of, with a lower insurance rating, and at a higher cost?

Nationwide’s Professional Liability Insurance Policy provides $1,000,000 of coverage per member for protection against lawsuits. Defense costs are paid in addition to this amount.

Teachers and school 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 a school employee, in the event that a student or parent was to accuse you of such things as sexual misconduct, discrimination, injuries to students, non compliance with ADA guidelines, and more.

Doesn’t My District Carry Insurance?

Your school district’s liability insurance covers the district, not you. In certain situations, your district plan won’t cover you, your attorney’s fees, or the incident that triggers a lawsuit. It is prudent to have your own insurance policy naming you as the insured party.

Who is Eligible?

All full time school employees are eligible. And, your coverage is guaranteed upon receipt of your application and payment.

When Does the Policy Begin?

Your coverage begins the day that your completed application and payment is received and it will be effective for a year from that date, automatically renewing yearly unless you decide to cancel.

How are You so much Cheaper than the Other Organizations?

Nationwide is dedicated to the school community and is able to offer this, through us at a cost that brings true value to you.

How Do I Apply?

You can apply through NPEA below.  Once you apply you can login to your account and download a copy of the policy.  You will also have access to our professional liability experts, for any inquires or questions regarding your policy.

Coverage A: Professional Liability

Up to $1,000,000 per insured per occurrence, plus the cost of defense, investigation and legal fees. Coverage applies to claims and allegations made against you within the scope of your employment duties.

Coverage B: Reimbursement Of Attorney Fees

Reimbursement of attorney fees incurred in the defense of a criminal proceeding, up to $35,000 per claim.

Coverage C: Reimbursement Of Attorney Fees As A Result Of Being A Victim Of Identity Theft

Up to $1,000 per policy period.

Coverage D: Bail Bonds

Up to $1,000 premium on bail bonds.

Coverage E: Assault Related Personal Property Damage

Reimbursement for damages or destruction of personal property if caused by an assault on or surrounding school property or while away from school property if on authorized school activity.

Coverage For School Nurses

• First aid and nursing services performed by a school nurse or certified health aide
• Physical therapy services rendered by a licensed physical or occupational therapist
• Administration of oral prescription medicine to a student
• Emergency first aid services rendered by an insured when a school nurse isn’t readily available
• Psychological therapy or treatment rendered by a counselor
• Health care services provided to students who are disabled within meaning of the Disabilities in Education Act or within Section 504 of the Rehabilitation Act of 1973

Administered by

Underwritten by Nationwide Mutual Insurance Company, rated A+ XV (Superior) by A.M. Best