EDUCATORS’ LEGAL LIABILITY ELIGIBILITY

(July 2024)

Educators’ Legal Liability Insurance is a specialized coverage. Generally, it’s provided by insurers with substantial knowledge, resources, and experience in profitably underwriting the educational field. Typically, insurers will provide coverage only for a specific sub-group within the broad category of educational risks, such as the following:

• Art, dancing, or music schools
• Private or parochial schools
• Public schools
• Boarding schools
• Vocational/trade schools
• Colleges and universities

Each insurer maintains programs to meet the exposures faced by its targeted educational facilities. For instance, parochial and other religious-based institutions may need professional coverage for clergy counseling. Medical schools will need professional malpractice coverage for employed physicians, nurses, and other medical personnel along with coverage for interning students.

Some insurers have eligibility requirements not only for the overall coverage, but also regarding whether an individual coverage, payment basis or coverage option is offered.

Example: Acme Townville's School Board met to review some Educators’ Legal Liability coverage options sent to them by their agent. They received the following, different packets of information:
Company A	Company B	Company C	Company D
Program was designed especially for private, religious schools	Program was designed especially for art schools	Program was designed especially for public universities	Program was designed especially for medical schools
After reviewing the forms and firing their agent, they found a new agent who sent information from only insurers offering coverage designed for public K-12 school districts.