School Board Legal Liability
What does a typical school board legal liability policy include?
A typical school board or educators legal liability policy is designed to protect not only teachers but also school board members, administrators, volunteers, student teachers and various other members of the educational staff. Standard policy language defines a “wrongful act” to include coverage for an actual or alleged breach of duty, neglect, misleading statement and other errors or omissions of an insured educator in their capacity or scope of employment on behalf of the educational institution.
Typical allegations found in claims include:
- Failure to educate
- Failure to supervise a classroom
- Loss of accreditation
- Employment-related lawsuits claiming discrimination, harassment, wrongful termination
- Failure to respond or prevent bullying activities
In recent years, there have been several items that have assisted in the increasing cost of this coverage and led to more restrictive policy terms. Layoffs from budget cuts have triggered an increase in employment-related claims. The tough job market has led to an increased amount of “failure to educate” claims. Repeated cases of sexual abuse and molestation involving teachers and their students continue to hit the headlines. If there was just one area of concern, underwriters could manage their risk with exclusions, sub-limits, higher retentions and other means of mitigation.
Given the multiple areas of concern and increased claim frequency and severity, many carriers have pulled back terms and conditions, while also raising pricing for school board legal liability. In today’s environment, it’s more important than ever to partner with someone who understands these exposures and can assist you with implementing effective risk management strategies. Furthermore, it’s crucial to work with an insurance consultant who understands the importance of various coverage provisions and who can effectively market coverage with carriers. If you have questions regarding your coverage, our experts are here to help. Chat with an ‘A’ Team member today.
Contact us to learn more about risk management for your school!
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