Many states require that charter schools have educators’ legal liability insurance. We have found that many schools don’t fully understand what that coverage is and how it protects their school.
Educators’ legal liability is designed to cover a broad range of nonbodily injury/nonproperty damage liability claims. These types of claims include:
- Failure to educate
- Failure to supervise a classroom
- Loss of accreditation
- Employment-related lawsuits claiming sexual harassment, wrongful termination, or discrimination
- Misstatements, misleading statements, breaches of duty, neglect, errors, or omissions made by a paid or volunteer board member who assists the school in making critical decisions about operations and economic survival
- Failure to respond to or prevent bullying activities of the students
A typical policy protects teachers, school board members, administrators, volunteers, student teachers, and other educational staff members.
Educators’ legal liability is a cheap coverage to purchase. Depending upon the size of your school and experience, a typical policy can cost anywhere from a few hundred dollars a year to a few thousand.
If you would like to receive an insurance quote from the Charter School Insurance Alliance, please give our office a call.