Professional Educator Liability Insurance Policies A comparison of $3 Million Dollar Aggregate of Coverage Versus $1 Million Policy Feature: CTANC NEA/NCAE plus local unit Limits of Liability Coverage $1,000,000 Liability Coverage $1,000,000 Liability Coverage Costof Membership $80- 150 Over $350 Form Per Occurrence Per Occurrence To legal actions arising out of To legal actions arising out of Applies duties as an employee of an duties as an employee of an education entity. education entity. Cost Paid in addition to limit of Paid in addition to limit of liability liability with some sub-limits. with some sub-limits. Upto $250 to consult with an attorney if your job is threatened Excluded from policy coverage, with termination, demotion, What coverage exists in the suspension, transfer or other however, the NEA may, at their discretion, assign an attorney if policy for job protection? disciplinary action; upto an the claim meritsthe association’s additional $750 if aformal involvement. hearingis needed; and another $4,000 if you must sue. Reimbursement of insured’s legal expensesup to $50,000 for Reimbursement of legal expenses criminal allegations as the result What coverage exists for of sexual abuse or misbehavior, upto $35,000, if foundnot guilty (except in corporal punishment criminal acts? if foundnot guilty; up to $10,000 where thereis no requirement that for criminal allegations as the the member be exonerated). result of corporal punishment, if foundnot guilty. Does the policy limit the No, covered to the $3,000,000 Yes, $250,000 limit for both limit of liability for damages. amountof coverage in Civil damagesand defense costs, Defense costs paid in addition to Rights cases? the limit of liability. combined. What coverage exists for personal property damage Not covered, use your Up to $500 after homeowner’s homeowner’s policy policy has paid. cause bystudentassault? Are lawsuitsagainstyou by other teachers in your Only if related to an established Yes schoolor school district peer review system. covered?
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