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Importance of Educators Professional Liability Insurance

Posted on: November 26, 2013 by Caitlin Morgan

Importance of Educators Professional Liability Insurance

Importance of Educators Professional Liability Insurance

Educators – from teachers to administrators, counselors and support staff – have tremendous responsibility as the custodians of our children. Moreover, the responsibilities of those who oversee the activities of educational institutions and their charges are growing increasingly more complex. As a result there is a broad range of exposures that leave educators vulnerable to lawsuits alleging negligence and educational malpractice arising out of educational employment activities or duties.

In fact, over the last decade, the number of lawsuits against schools and teachers has been on the rise. According to an American Tort Reform Association survey, almost one-third of all high school principals have been involved in a lawsuit in the last couple of years, compared to only nine percent ten years ago. Examples of claims filed against educators include students getting injured during a gym class or a field trip and alleging the teacher was negligent in his or her supervision.

This is where Educators Professional Liability Insurance responds, providing the coverage educators need in the event they are alleged to have caused injury or damage to others while performing their professional duties. This may include coverage for allegations arising from:

  • Injuries to students under the educator’s supervision
  • Failure to educate
  • Violation of students’ civil rights
  • Hiring unqualified persons
  • Failure to promote students or grant credit
  • Improper methods of instruction
  • Accusations of sexual or physical abuse

Defense costs are also typically covered.

Caitlin-Morgan provides coverage to many types of educational facilities. What’s more, we also have a special Indiana Public School Insurance that includes a number of critical coverages including Professional Liability insurance. In addition, we can provide a risk assessment to pinpoint vulnerabilities and where additional coverage is needed. Give us a call at 877.226.1027 to find out more about the importance of educators professional liability insurance our program and how we can help your insureds.

Posted in: Educational Insurance