Educators Management and Employment Practices Liability

Today's schools are faced with an increasing number of lawsuits based on issues such as dress codes, special education, sexual discrimination or failure to educate. A broad spectrum of insurance coverage is essential to defend the educational entity, its employees and even its volunteers. Employment practices claims are the most frequent type of lawsuit brought against school board officials today. Terminations, hiring and promotions comprise almost half of the claims made. Student suspension/expulsion, discrimination and integration cases are brought against school officials at an alarming rate.

PGU School Board programs are tailored specifically for public, parochial and nonprofit private school entities including colleges, universities and vocational training schools.

Our programs cover defense costs in addition to policy limits and offer full prior acts coverage with no retro date to prevent coverage gaps. PGU's program definition of who is covered is among the broadest in the industry, including the entity, elected, and appointed officials, board members, trustees, all employees, volunteers and their heirs.

Employment-related discrimination and special education claims are covered by PGU programs, unlike many competing forms. Coverage is available, where permitted by law, for punitive and exemplary damages. This broad coverage is backed by nationally renowned claims and defense services comprised of expert school/governmental defense attorneys.

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Program Features 

Insurer: Best Rating: Availability: Eligible Accounts: Minimum Premium: Minimum Deductible: Limits Available: Selected Policy Features:

Various A rated (Excellent) or better Available on surplus lines basis in all states Public and Private schools K-12 Colleges and Universities $1,500 $2,500 Up to $10,000,000 Claims made coverage Full prior acts coverage available  Consent to settle clause with 50% co-insurance Defense costs in addition to limits for claims, except those seeking non-monetary relief  Duty to Defend / Pay on Behalf  Coverage written on primary basis  Punitive Damages not excluded (where allowable by law) Wrongful acts definition includes civil rights violations Employment Practices Liability coverage included  Third Party EPL included  Defense of non-monetary actions related to special education, redistricting and employment practices Personal injury coverage available for employment practices  Back Pay / Front Pay coverage included in employment practices coverage  Optional coverage available for expenses related to School Violent Acts Crisis Management