Personal Liability Insurance for Teachers

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Classroom teachers need liability insurance.
Classroom teachers need liability insurance. (Image: woman and a teacher at seminar image by Dmitry Goygel-Sokol from <a href='http://www.fotolia.com'>Fotolia.com</a>)

Although school districts provide liability insurance, this does not protect individual teachers, only the district. Protecting yourself against lawsuits in the teaching profession safeguards your professional assets. Selecting the right liability insurance is essential for classroom teachers.

Liability Insurance

As a teacher, you are legally responsible for students in your care. If a student is injured while in your care or civil liberties are infringed upon, you as the educator may be found legally liable. Much like personal liability insurance policies for your home, liability insurance for teachers protects your personal assets and covers legal costs in court proceedings.

Liability insurance covers you in case of student injury.
Liability insurance covers you in case of student injury. (Image: broken image by Allyson Ricketts from <a href='http://www.fotolia.com'>Fotolia.com</a>)

Public and Private School Teachers

Liability insurance is the type of insurance all teachers need to protect them in their professional lives. Both public and private schools are at risk of lawsuit. Teachers, coaches and student teachers must consider liability insurance because lawsuits occur for all of them.

Even coaches need insurance.
Even coaches need insurance. (Image: bball image by elke peterson from <a href='http://www.fotolia.com'>Fotolia.com</a>)

Professional Organization

Joining a professional organization will provide you with needed liability insurance. In addition to each state having its own professional organizations or unions, you may also choose from one of the national organizations. While membership has yearly dues, the fees you pay for membership buy you peace of mind and protection in case of lawsuits. Look at what each available organization provides and select the group that gives you the most for your money.

Call up a local professional organization representative.
Call up a local professional organization representative. (Image: girl on phone 2 image by PD-Images.com from <a href='http://www.fotolia.com'>Fotolia.com</a>)

Protection Provided

Liability insurance needs to cover you for a variety of situations. Check that your insurance covers injuries to students under your supervision, failure to educate, violation of students’ civil rights, failure to promote students or grant credit, improper methods of instruction, and accusations of sexual or physical abuse. Note that in criminal cases, you must be found not guilty for professional liability insurance to protect you. Liability insurance needs to cover legal costs and financial judgments against you.

Liability insurance covers legal costs.
Liability insurance covers legal costs. (Image: us supreme court image by jedphoto from <a href='http://www.fotolia.com'>Fotolia.com</a>)

Suspension From Duties

Liability should also cover you if you are suspended from duty or unfairly terminated. It should cover legal fees in the event that you sue the district for termination, and it should cover legal representation in a formal hearing of the school board.

Liability insurance covers suspension of duties.
Liability insurance covers suspension of duties. (Image: school room image by Alfonso d'Agostino from <a href='http://www.fotolia.com'>Fotolia.com</a>)

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