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.