What is Educators Liability Insurance?
Educator Liability Insurance is a form of professional liability insurance designed to protect schools’ boards, teachers, professors, administrators, and other education professionals from legal claims arising from their professional duties. It covers claims of negligence, misconduct, errors, or omissions that may lead to lawsuits from students, parents, or school authorities.
What does Educators Liability Insurance cover?
A packaged policy designed for educational institutions covering defamation, intellectual property infringement, liability from participating in joint ventures, loss of documents, outside directorship, legal representation expenses, schooling liabilities such as study tours and extra-curricular activities, and vicarious liability for consultants, contractors, subcontractors, and agents
Directors & Officers Insurance
Defence costs and damages resulting from any claim for a breach of duty in discharging managerial and fiduciary duties owed to the teaching organisation
Professional Indemnity Insurance
Defence costs and damages resulting from any claim by a pupil, parent, education authority or regulator (or any third party) for breach of duty in the performance of or failure to perform educational services
Employment Practices Liability
Damages resulting from any Claim by an Employee for a Wrongful Employment Practice.
Cyber Insurance
Some educators liability policies can include cyber liability protection for breaching data protection laws due to a hack or breach.
Why should schools buy Educators Liability Insurance?
Protection Against Lawsuits from Parents & Students
International schools attract students from different cultural and legal backgrounds, increasing the risk of disputes. Parents may file lawsuits for alleged failure to educate, negligence, discrimination, or emotional distress. Educators can also face claims for wrongful discipline, bullying, or harassment allegations.
Legal and Regulatory Compliance
Many countries require schools to have liability coverage for staff and administrators. International schools often operate in multiple legal jurisdictions, making compliance complex. Protects against regulatory investigations or non-compliance penalties.
Coverage for Staff and School Leadership
Protects teachers, administrators, and board members from claims of mismanagement or negligence. Coverage extends to wrongful termination, discrimination, or workplace harassment claims against school leadership.
Risk Exposure from Extracurricular Activities & Study Tours
Schools conduct off-campus trips, sports activities, and exchange programs, increasing liability risks. Coverage extends to accidents, injuries, or misconduct allegations that may arise during such events.
Protection Against Expensive Legal Costs
Even if a school or educator is not found liable, legal defence costs can be significant. Insurance covers legal fees, settlements, and court costs, protecting the institution’s financial health.
Cyber & Data Protection Risks
Many international schools handle sensitive student data, making them targets for cyber threats. Some educator liability policies include cyber liability coverage for data breaches or privacy violations.
Employee Actions
International Schools may be held liable for the actions of their employees. Educators Liability Insurance can provide coverage if an employee’s actions lead to legal claims against the school.
Peace of Mind
Running an international school is a large responsibility and involves inherent risks. Educators Liability Insurance can offer peace of mind by providing financial protection against the uncertainties and challenges that may arise.
It’s important to note that the specific coverage and terms of Educators Liability Insurance can vary based on the insurance provider and the policy’s details. Before purchasing such insurance, schools should carefully review policy terms, coverage limits, exclusions, and any additional endorsements to ensure that the policy aligns with their specific needs and risk profile.
Why work with Continuum?
Our in-depth knowledge of both the industry and the appetite of insurers allows to advise clients on the appropriate solutions to help them protect their business and offer value to their clients. We take a client-centric approach, appreciating that insurance may be a future requirement rather than an immediate need and advise on the timing of policy inception as well as helping with payment schedules and budgeting requirements. Our aim is to advise and assist companies from seed to flower and become a long-partner with them through their journey to success.
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