Professional Educator Liability Insurance Policies
A comparison of $3 Million Dollar Aggregate of Coverage Versus $1 Million
| Policy Feature: | CTANC | NEA/NCAE |
| Limits of Liability Coverage | $1,000,000 Liability Coverage | $1,000,000 Liability Coverage |
| Annual Cost of Membership | $80 – 180 | Over $500 |
| Policy Form | Per Occurrence | Per Occurrence |
| Coverage Applies | To legal actions arising out of duties as employee of education entity | To legal actions arising out of duties as employee of education entity |
| Defense Cost | Paid in addition to limit of liability with some sub-limits | Paid in addition to limit of liability with some sub-limits |
| What coverage exists in the policy for job protection? | Up to $250 to consult with an attorney if your job is threatened with termination, demotion, suspension, transfer or other disciplinary action; up to an additional $750 if a formal hearing is needed; and another $4,000 if you must sue. | Excluded from policy coverage,† however, the NEA may, at their discretion, assign an attorney if the claim merits the associations involvement. |
| What coverage exists for criminal acts? | Reimbursement of insured’s legal expenses up to $50,000 for criminal allegations as the result of sexual abuse or misbehavior, if found not guilty; up to $10,000 for criminal allegations as the result of corporal punishment, if found not guilty. | Reimbursement of legal expenses up to $35,000, if found not guilty (except in corporal punishment where there is no requirement that the member be exonerated) |
| Does the policy limit the amount of coverage in Civil Rights cases? | No, covered to the $3,000,000 limit of liability for damages.† Defense costs paid in addition to the limit of liability. | Yes, $250,000 limit for both damages and defense costs, combined |
| What coverage exists for personal property damage cause by student assault? | Not covered, use your homeowner’s policy | Up to $500 after homeowner’s policy has paid |
| Are lawsuits against you by other teachers in your school or school district covered? | Yes | Only if related to an established peer review system |
