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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 – 150 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 associationís involvement.
What coverage exists for criminal acts? Reimbursement of insuredís 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