Protection
KEYTA membership is open to all educators currently employed by an educational institution, student teachers and those holding a current Pennsylvania teaching certificate.
KEYTA’s insurance pays up to $2 million per insured per occurrence and $3 million per occurrence if more than one member is involved, plus defense costs.
This coverage protects members for alleged damages arising out of an occurrence as part of member’s professional duties as a school employee.
This broad, $2,000,000 no deductible liability policy covers claims against the member for acts or omissions arising out of the member’s activities in his/her professional capacity such as: bodily injury, property damage, corporal punishment or other alleged wrongful acts or omissions. Plus, up to $35,000 reimbursement of attorney fees for the defense of certain actions not otherwise covered and up to $1,000 for bail bond premiums required because of the alleged act or omission.
Answer: Such a member is covered while engaged in duties as a teacher or principal, but not while acting as a member of a school board.
Answer: Yes, while the member is engaged in activities as a professional educator.
Answer: No. This policy does not cover the school system. It covers the individual members.
Answer: Yes, for example in a case where a coach instructed a player to run the bleachers as discipline for missing practice, and the student fell and suffered serious injuries, Coverage A did apply.
Answer: Yes, since monetary damages are alleged.
Answer: Since this action only asks for “injunctive relief” and since it involves “other professional responsibilities” Coverage B would apply. Reimbursement of attorney fees up to $10,000 each for principal and teacher would be paid if the suspension were upheld.
Answer: Corporal punishment, whether civil or criminal is under Coverage A. Any other criminal act is covered under B with the maximum of $10,000 payable whether or not the insured is exonerated.
Answer: The accident falls under Coverage A.
Answer: Yes, The duty of the insurance company to defend is far greater than the duty to pay. It pays when an insured is judged liable; but it must defend even if the allegation be false, groundless or fraudulent.
Answer: The policy covers attorney fees up to $10,000 provided termination or allegations at a hearing are resolved in favor of the teacher. In one case, a teacher was suspended and asked to resign although he felt he had done nothing to void his contract. Negotiations resulted in the teacher recovering requested pay, a contract of release and a recommendation. His attorney’s fee was paid under Coverage B.
Answer: Yes, under Coverage B only. This may or may not be a criminal action, but whether criminal or civil, attorney’s fees up to $10,000 are payable whether or not the Educator is exonerated.
This policy comparison does not change the terms of any policy. For more information about our Educators Professional Liability Insurance Program, visit KEYTA’s website at www.keyta.org, or call 877-33-KEYTA and ask for a membership information packet and an insurance summary.
KEYTA membership is open to all educators currently employed by an educational institution, student teachers and those holding a current Pennsylvania teaching certificate.
