Educators Legal Liability
Insurance (Schools, Colleges & Universities)

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Learn about educators legal liability insurance (ELL). ELL protects school boards against claims of failure to grant tenure, negligent counseling, wrongful termination and wrongful dismissal.

Educators Legal Liability Insurance

Educators Legal Liability Insurance

Colleges, universities, boards of education and all other institutions of education are big organizations that are held responsible for the care of a large number of students. These institutions also employ a large staff. Since there are so any individuals involved in the process of education, institutions of learning face a variety of risks on a constant basis that other types of organizations aren't faced with as frequently.

These institutions can be held liable for various legal claims that general liability insurance won't cover. As such, educational institutions need a specific type of insurance policy that is customized to meet their unique needs. Educators legal liability insurance (ELL) provides institutions of learning with coverage against a wide range of possible legal claims.

What Is Educators Legal Liability Insurance?

Educators' Legal Liability Coverage was developed to respond to loss from wrongful acts related to educational (rather than general) activities of a school, school board, school district, college, or university. It is a necessary part of any insurance or risk management protection for any school or educational institution. Protection is required for the actions of officers, directors, staff, faculty, employees, volunteers, and student or substitute teachers.

Educators legal liability insurance is a specialty form of insurance coverage that protects educational institutions against the damages that they could incur as a result of real or alleged wrongful acts. The types of claims that this form of insurance covers is broad and includes:

Who Does Educators Legal Liability Insurance Protect?

Those who are covered under educators legal liability insurance will differ from provider to provider. Therefore, it is important to check your policy to ensure who is covered. The following are individuals who you would want your ELL policy to protect:

What Type Of Benefits Does ELL Insurance Offer?

Again, benefits offered by educators legal liability insurance will differ from provider to provider. However, most policies will provide the following benefits:

Since the benefits offered by this type of insurance do vary from one provider to another, it is important to make sure that the policy you choose provides the specific coverage necessary to insure your institution. Should you need additional coverage, you do have the option to purchase more benefits.

Are there Any Exclusions?

All insurance policies have some exclusions and an educators legal liability insurance policy is no different. The types of losses that this policy will not cover will typically include:

Of course, check with your insurance provider to find out exactly what your policy won't cover to ensure have a full understanding of how you are protected.

How Much does Educators Legal Liability Insurance Cost?

The costs associated with an ELL policy will vary from insurance provider to insurance provider. They will also vary depending on the specifics of your institution and whether or not you need additional benefits that are not offered under a basic ELL policy.

Generally, the premiums that an insurance company will charge for a policy are based on the amount of students (both full and part-time) that attend the school, in addition to the number of people who are on staff.

Understanding The Educators Legal Liability Policy

Educators' Legal Liability (ELL) Coverage was developed to handle loss resulting from "wrongful acts" arising from the operation of a school, school board, school district, college, or university. It is a necessary part of any insurance or risk management protection for any school or educational institution. Protection is required for the actions of officers, directors, staff, faculty, employees, volunteers, and student or substitute teachers.

ELL Insurance is not standard among insurers. Each carrier develops features according to its preferred market. Wide variations can be found in the Insuring Agreements, Exclusions, Conditions, and Defense provided among different policies so it is very difficult to make coverage comparisons in this market.

What Is Covered

An ELL Policy typically protects against damages from actual or alleged "wrongful acts" such as: negligence, errors or omissions, misstatements, or breach of duty involving an educational facility's directors, officers, trustees, faculty, employees, student teachers, and committees while acting in the scope of their duties. Unless otherwise excluded or limited, this includes, but is not limited to such acts as discrimination, failure to educate, libel, slander, wrongful termination, denial of tenure, and breach of contract.

Coverage is on a claims-made basis, requiring that a claim be first made against the insured and reported to the insurer during the policy period. All claims are subject to a specified Self-Insured Retention or deductible, with a stated limit per claim and an annual aggregate limit.

Defense

Watch carefully for the difference in contracts relating to defense. Some of the key items to consider are:

Defense Options may have a substantial financial impact.

What Is Usually Excluded

ELL coverages are nonstandard. There are key differences between forms which must be carefully evaluated. Exclusions must be very carefully examined to determine what types of the occurrences will and will not be covered by the insurance program under review. Here are some typical exclusions that should be examined and compared among programs:

Optional Coverages - Endorsements

Some of the Exclusions mentioned may be bought back by endorsement and payment of additional premiums:

Educators Legal Liability Insurance - The Bottom Line

We hope this article on educators legal liability insurance was informative. Legal claims made against institutions of learning seem to be increasing. Therefore, it is important for any organization that provides students with an education to be protected against such claims in order to minimize its losses. If you operate a school of any type - public or private - speak to a reputable insurance agency to learn more about a policy.

Further Reading On Management Liability Insurance

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