Teachers are professionals tasked with the responsibility of shaping the minds and values of the youth. Being an educator in California or in any other part for that matter is no walk in the park. More than the long hours and the exhausting responsibilities, educators also have to protect themselves from potential lawsuits.
What Is Professional Liability Insurance?
Professional liability insurance is a type of insurance that protects professionals, specifically lawyers, doctors, accountants, and teachers against claims and other lawsuits filed by their clients. This type of insurance protects professionals from claims like negligence, malpractice, and misconduct. Lawsuits are detrimental to an educator’s career as they will not only damage their reputations but also possibly diminish their savings.
What Does Professional Liability Protect You From?
Professional liability insurance is supposed to protect you when things don’t go as planned. Here are the main cases your insurance will cover.
Negligence
Teachers could be accused of acting negligently, for example, that they did not pay attention to students or did not address a safety hazard. If occurrences in the classroom, which may be the result of oversight or something that no one could have prevented, leads to a student getting hurt, it could result in a lawsuit.
Undelivered Results
This is common among tutorial services. When someone hires you to help them pass a class or pass a standardized test and doesn’t achieve this goal, they may try to sue the tutor to recover the fee they paid. However, passing or failing a class or test is out of a tutor’s hands. Nevertheless, teachers or tutors need to protect themselves from this type of lawsuit.
False Accusations
Educators from every level may fall victim to individuals who want to damage their reputations. Videos or images may be edited to show the educator doing something wrong, such as discriminating against a student, that they did not do. Alternatively, someone could simply claim that you did something you didn’t do. Cases like this are serious and teachers should be ready to protect themselves from such accusations.
Why Do Teachers Need Professional Liability Insurance?
Teachers are passionate about helping their students grow and succeed—you don’t have time to concern yourself whether your actions may be misconstrued or if someone is planning a false allegation. This is simply no way to live or work.
Professional liability insurance will protect you from loss in case a lawsuit is filed against you. With this insurance, you can defend yourself from the lawsuit without worrying about the costs.
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