Educator professional liability insurance
Liability occurs in anyones life. Liability is defined as a harm done to some one else and the person who caused it is liable to pay for the damages.
Liability can be caused due to definite injury to the other party or the other partys action has caused an injury.
With the above in mind any educator can face any situation of liability in personal, commercial or professional life.
Personal Liability Insurance
Think of a situation where you neighbour slips on your walkway and injures her. Though home insurance provides the coverage at times it may not be sufficient. Hence personal liability insurance is the need of the hour
Professional Liability Insurance
This insurance protects the educator in circumstances like accusation by parents of harassment of their ward or injury to self in school grounds. In such circumstances personal liability does not provide any kind of help. Here only professional liability works.
Educator Employment Liability
NEA is a recognized body of educators. The EEL is one of the benefits offered by NEA at no extra cost. This insurance protects the member when parents sue the teacher; in some instances re-imbursement of damage to personal property is also available.
Coverage provided by EEL
Reimbursement of legal costs of civil proceedings
Reimbursement of civil rights claims up to $30,000
Coverage for all claims
Reimbursement of attorneys fees in a criminal proceeding
Reimbursement of bail bond premium
Reimbursement of personal property damage
Though EEL covers almost all civil rights and criminal rights cases, it does not reimburse in case the member is discharged or on lay off. Such instances are taken care of Kate-Frank Dushane unified legal services programme.
Commercial Liability Insurance
Some educators also involve in tutoring services. These educators need to purchase special insurance of business activity for conducting such services. Some insurance companies modify the homeowners/ condo policy to suit the educators requirements. This is because personal and professional liability insurance does not cover these aspects.
Private Practice Liability Plan
While providing tutoring services the educator is at risk as he is responsible for all his actions. This professional liability insurance provided by the educational entity he works for does not provide the protection required. Here private practice liability plan protectors the educator from claims and lawsuits which are often time consuming as well as costly.
Educator has full protection that he needs in professional, private and business life with Educator liability insurance.
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