Educators Liability & Employment Practices Liability

Today’s schools are faced with an increasing number of lawsuits based on issues such as dress codes, special education, sexual discrimination and failure to educate. A broad spectrum of insurance coverage is essential to protect the educational entity, its employees and even its volunteers. Employment Practices claims are the most frequent type of lawsuit brought against school board officials today. Terminations, hiring and promotions comprise almost half of the claims made. Student suspension/expulsion, discrimination and integration cases are brought against school officials at an alarming rate.

The PGU School Board program is tailored specifically for public, parochial and private school including colleges, universities and certain vocational training schools.

Our program offers defense costs in addition to policy limits and full prior acts coverage after five years of claims made coverage to prevent coverage gaps. PGU’s program definition of who is covered is among the broadest in the industry, including the entity, elected, and appointed officials, board members, trustees, all employees, volunteers and their spouses and heirs.

Employment-related discrimination and defense for special education claims are covered by PGU program, unlike many competing forms. Coverage is available, where permitted by law, for punitive and exemplary damages. This broad coverage is backed by nationally renowned claims and defense services comprised of expert school/governmental defense attorneys.


InsurerBest RatingAvailabilityEligible AccountsMin. PremiumMin. DeductibleLimitsSelected Policy Features
“A” rated (Excellent) or better
Admitted paper in AR, DE, IL, IN, KY, ME, MN, NJ, NY and NC
Surplus Lines paper everywhere else
Colleges and Universities
Public and Private schools K-12
up to $5,000,000
Claims made coverage
Full prior acts coverage available
Consent to settle clause with 50% co-insurance
Defense costs in addition to limits for claims, except those seeking non-monetary relief
Duty to Defend / Pay on Behalf
Coverage written on primary basis
Punitive Damages not excluded (where allowable by law)
Wrongful acts definition includes civil rights violations
Employment Practices Liability coverage included
Third Party EPL included
Defense of non-monetary actions related to special education, redistricting and employment practices
Personal injury coverage available for employment practices
Back Pay / Front Pay coverage included in employment practices coverage
Optional coverage available for expenses related to
School Violent Acts Crisis Management