Does Your Public School Insurance Provide Coverage For Unfounded Claims?

If you are a teacher it is important to invest in teacher’s liability insurance. Public school insurance comes in a number of different forms. While a facility policy will protect the school’s liability and the physical building, it does not protect your own professional liability. Teachers are held to the highest standard. You are expected to be knowledgeable, fair, caring, and strict when necessary. When you are on the job, it is important to know you are protected. Understand how teacher’s professional liability insurance covers you make sure you are covered if the school does not offer protection.

If You Are Sued How Will You Pay For Defense?

In today’s litigious society, more and more teacher’s are falling victim to unfounded claims. It is not uncommon for an angry parent to come up with a reason to file suit if you give their little angel a bad grade. While this may seem outlandish, it happens every day. If a parent claims your teaching skills are the reason their pupil did not get accepted into college what would you do? Even if the claims are unfounded, you will have to spend thousands of dollars out-of-pocket for legal defense. Will your school’s insurance policy pay for your legal defense? Is there a deductible? These are things you should know.

Review Public School Insurance

When you work for a school they should be willing to provide you with a copy of their public school insurance. Your compensation package should explain what insurance coverages are included and what types of insurance you will need to purchase on your own. If the facility’s policy does not extend to teachers employed with the school, you will need to invest in your own professional liability policy. Teacher’s professional liability insurance is relatively inexpensive. Do not be one of the many teachers that put off the task of obtaining insurance. Not having insurance could break your career.

Where to Purchase Professional Liability Insurance

If you want to invest in your own personal professional liability plan, consult a commercial insurance agent or broker. Most companies dealing in commercial insurance offer a specialized professional liability plan for teachers and professors. Do not assume you are protected by the Teachers Protection Act. Legislation is very limited and this assumption could land you in hot water. Choose a reliable insurance company to protect you and compare rates for an annual policy.

Teachers are not the highest paid professional in the nation. If you want to prevent financial ruin you need to review your school’s public school insurance policy. If you are not covered on this policy invest in your own teacher’s professional liability insurance. Delaying this could be a decision you regret.

Visit Public School Insurance Indiana for more information or visit our blog at http://51weeks.com/public-school-insurance-2/.