The Biggest Risks Educators Face is Likely Unexpected

Educators management liability coverage provides protection for an educational institution, its management team and other employees during the course of their institutional duties from claims arising out of actual or alleged wrongful acts or other breach of duty. The policy covers indemnity and defense cost; and is customized for protection against claims arising out of actual or alleged:

• Wrongful acts
• Errors & omissions
• Breach of contract
• Negligent employment practices
• Claims seeking non-monetary relief

At PGU, we offer a program, which has long-term relationships with prominent carriers. These relationships allow us to provide quotes to our clients for their school clients’ needs. This specialty coverage usually offers additional endorsements such as non-monetary relief and employment practices liability.

Non-Monetary Relief:

This is a defense only coverage where a plaintiff injunctive relief. Most policies of this type are written on a claims-made basis.

Employment Practices Liability:

This is protection against claims including allegations such as wrongful termination, sexual harassment, and discrimination. This additional employment practices liability coverage is essential because, believe it or not, employment practices claims are the most frequent type of lawsuit brought against school board officials today.

Who needs it?

All educational institutions need educators management liability insurance. Entities that fall into this category include, but are not limited to:

• Public school districts
• Private schools
• Charter schools
• Cyber schools
• Public and private colleges
• Public and private universities

Why do they need it?

Academic organizations have a high management liability exposure. Claims arise from charges such as:

• Failing to provide an appropriate education
• Improper hiring and training practices
• Breach of contract
• Breach of confidentiality
• Lack of adequate supervision

Governmental immunities or tort caps do not always protect schools from these types of claims.

The examples shown below list just of a few of the many reasons why schools should carry professional management insurance.

• Many non-monetary claims arise from the Individuals with Disabilities Education Act (IDEA),when parents of special needs feel that their children are not having their specific educational requirements addressed.
• Claims can occur when teachers either intentionally or unintentionally introduce material that is not age, race, or religious appropriate.
• Failure to maintain proper hiring and employment practices & procedures result in claims from both staff and students.
• An exposure to breach of contract exists between the schools and teachers and the schools and outside vendors.

If your client needs help with Police Professional Liability give us a call today:

• Ned Daly- 804.272.8060
• Grey Lester- 804.272-5964
• Dana Fawver- 804.272.7405
• Will Shumadine- 804.272.9210
• Peyton Judy- 804.727.4317