Liability Insurance

Liability Insurance


All employees of public schools in North Carolina receive professional liability protection.  This policy is free, covers all employees (certified and non-certified) as well as volunteers acting under the educational institution, and there is no enrollment requirement.


What is Covered


  • Responds to claims for Professional Activities of a Member Insured in the course and scope of his or her duties as an employee of a North Carolina local education agency or accredited public school district, state education agency, or charter educational institution.

  • Covers wrongful acts in performance of professional activities

  • Coverage is written with $1,000,000 per Insured per occurrence and $1,000,000 aggregate per Insured

    • Broad coverage exists including, but not limited to:

    • $10,000 limit for Accidental Death & Dismemberment

    • Civil Rights – with no sub-limit like other policies

    • $2,500 Per Insured claim, $10,000 aggregate per Insured per policy for attorney fees, and $5,000,000 aggregate per policy period

    • Bail Bond

    • Assault Related Property Damage

    • $50,000 limit for Criminal Acts

    • Employment Related issues, including protection of professional rights

    • $100,000 limit for Volunteers, while acting at the direction of the Educational Institution


For details visit the website.