| 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 associationís 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 |
