Teachers & Educators Professional Liability Insurance

These days, even the best educators can end up in court. Guard your career and your personal assets with $1 million in professional liability insurance.  Remember, even a frivolous lawsuit can cost thousands of dollars to defend and your liability escalates if a settlement or judgment is involved.

Don’t go it alone. Professional liability insurance assures you’ll have expert representation and a financial safety net if you’re ensnared in a work-related lawsuit.

Whether you’re new to teaching, educational consulting or a seasoned professional, you may not be aware of how educators’ professional liability insurance or errors and omission insurance, can help you.

When you think of insurance for professional service businesses, the world of education may not spring to mind.  But in today’s litigious world, educational consultants need the protection of professional liability insurance, or, for education professionals, educators’ professional liability insurance. Educational professionals help design and develop curriculums, advise on teacher compensation, provide HR services and develop individual education plans (IEPs).  In short, they provide advice and need to be protected in case that advice is contested.  Professional liability insurance is there to make sure they have expert representation and a financial safety net if they become involved in a work-related lawsuit.

Why do I need educators’ professional liability insurance?
Also known as errors and omissions insurance, or E&O coverage, educators’ professional liability insurance provides coverage independent education contractors and consultants should consider.  It’s similar to the coverage that therapists, engineers and other professional services providers secure in order to protect themselves from the risk of serious legal consequences caused by professional mistakes.  Since these mistakes – whether real or unfounded – are as much of a possibility in education as these other fields, E&O insurance makes sense for education consultants.

Educators face many risks. Here is a look at the most common:

• Bad Advice: Students rely on you for sound advice that makes their lives better. Occasionally it’s possible that your well-intended advice can cost them. For example, if you offer educational consulting and recommend certain classes to get into college, but the college declines their application because the classes were too advanced and damaged their GPA, you can be sued.
• Accusations of Molestation: Working one-on-one with students of any age allows for accusations of molestation or abuse. Even when the accusations are false, a defense lawyer and public relations firm are necessary. And both services are expensive.
• Privacy Violations: You know you’re not supposed to discuss your student’s situation with others. Many teachers are tempted to discuss students with their spouses or close friends. If somebody over hears your conversation and reports it, a lawsuit, fines and loss of your teaching certificate may follow.
• Computer Hack: It’s common for teachers to store student information and files on a computer. If a hacker breaks into your network and compromises their information, you are responsible for an investigation, notifications and any financial damages that occur.

Get a quote for E&O insurance today
Other professionals don’t dare practice without liability (or malpractice) insurance.  As an educational professional, neither should you. Get an insurance quote online for educators’ professional liability insurance or contact us for any questions you might have.

Program Disclosure

Coverage under this program is administered by Holman Insurance Brokers Ltd. We have engaged in a marketing process to offer a competitive product on a group basis with insurers but we have not acted as a broker for any individual customer. If for any reason, you, the customer are not satisfied, you may request a full refund within 14 days of purchase (provided you have not made a claim against the policy). Should your application not be accepted for whatever reason by the insurer, the information may be used by Holman to seek an alternative insurer if available.