Educators' Legal Liability Insurance handles loss that is directly involved with the academic activities of private or public colleges, universities, high schools, or even trade schools. An Educators' Legal Liability Policy protects against damages from actual or alleged "wrongful acts," meaning any act, error, or omission by any person the policy identifies as being covered.

Acts that are insured by the policy include discrimination, failure to educate, libel, slander, wrongful termination, denial of tenure, and breach of contract.

The entity or organization that is protected by an Educators' Legal Liability Policy is specifically listed. However, since policies offered by different companies vary, it is important to make certain that the following persons are also protected under the policy:

  • Directors and officers of the institution's governing body
  • Members of boards, commissions, councils, and committees
  • Elected or appointed officials, trustees, directors, or superintendents
  • Employees, including student teachers, teaching assistants, and substitute teachers
  • Authorized volunteers, including students
  • An institution's students while participating in internship programs

An Educators' Legal Liability form will not cover certain losses, such as those involving deliberate acts, acts that are fraudulent, crimes, violations of certain Federal Acts, or for providing (or failing to provide) services that are considered professional in nature (such as accounting, law, or medicine). The premiums charged for Educators' Legal Liability coverage are usually based on the number of full and part-time students served by a school, as well as the number of faculty.

Organizations that need this special coverage would do well to put on their thinking caps and contact an insurance professional for lessons on finding the right policy. If you’re ready to take that step with your organization, call the Professionals at Williams Insurance. We have over 80 years of experience, and we’re ready to guide you through this process.


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