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 a highly competitive rate. We challenge you to shop around and compare.

* All full and part-time W2 employees of Schools, Colleges, and Universities are eligible. 

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?

NPEA’s Professional Liability Insurance

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.

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 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.

NPEA Professional Liability Insurance Ratings

Doesn’t My District or University Carry Insurance?

The school district or university must protect itself first. You as an employee of the entity should also be covered under their policy. However, in the event that the school or university policy does not respond or if the policy limits are exhausted due to a large loss, it is prudent to ensure that you have your own personal coverage available to protect your interests.

Who is Eligible?

All W2 employees of Schools, Colleges, and Universities are eligible.  Full and part time employees are eligible as long as your are a W2 employee and not an independent contractor.

When Does the Policy Begin?

Your coverage begins that day that your completed application and payment is received. Coverage will be effective for one year from that date and will automatically renew yearly unless you decide to cancel.

How Do I Apply?

You can apply through NPEA today.  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–Liability

A student climbing on a wire fence on school property fell, suffering severe cuts.  The teachers in charge of the students, as well as the principal of the school were sued for negligence.  The teachers and principal were covered and defended under the terms of the policy.

A student was being disruptive and using profane language.  The parents allege the student was subjected to excessive corporal punishment and inappropriate discipline, even though the discipline was handled according to the guidelines of the school district.  A lawsuit was filed alleging $2,000,000 in damages.  The case was settled for $400,000.

A student was killed in the school parking lot before school hours by a handgun shot.  The school administrators were sued for negligence.  The administrators’ educator policy responded to the suit and defended the members when the limits of the school district policy were exhausted.

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.

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