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Educators Legal Liability

The responsibilities of those who oversee the activities of educational institutions and their charges grow more and more complex, and your management and professional liability insurance should reflect this. Chubb’s comprehensive policy is designed to address the exposures created by the day-to-day operations of K-12 schools.

Coverage Highlights


  • Comprehensive coverage for the daily operations of K-12 schools 
  • Distinctive and identifiable coverage grants for management liability, professional liability and EPL
    • Provides specific coverage for educational institutions’ management liability exposures, including first dollar protection for non-indemnifiable claims
    • Professional liability coverage is automatically extended to employed lawyers
  • Broader definition of Damages, including:
    • Punitive and exemplary damages, where allowed
    • For EPL coverage, front and back pay 
    • EPL coverage includes front and back pay
    • For EPL coverage, liquidated damages if awarded pursuant to the Age Discrimination in Employment Act and the Equal Pay Act
  • Broader definition of Insured Educator includes:
    • Board of education, including its past, present and future members
    • Past, present and future trustees, directors, or members of the board of regents
    • Any other commissions or boards operated by the educational institution, including its past, present, and future members
    • Employees, student teachers, and volunteers acting for or on behalf of, and at the request and under the direction of, the educational institution
    • Educational executives and employees serving with an outside tax exempt entity
    • Educational executives and employees acting as directors or officers of 501c(3) non-profit organizatio
  • Broader EPL coverage, including coverage for third party EPL claims:
    • Covers third party liability arising out of discrimination or harassment of non-employees by employees
  • Separate $25,000 limit for crisis management covers expenses incurred by the educational institution to hire a crisis management firm and to disseminate information regarding a specific crisis
  • Coverage for claims arising out of Individual Education Plan (IEP)/special needs due process hearings or desegregation
  • $25,000 sublimit for claims expenses arising from breach of Fiduciary Duty claims
  • Coverage for Breach of Contract claims, including:
    • Full coverage for employment-related breach of contract claims
    • $100,000 sublimit for claims expenses arising from all other breach of contract claims

A Hybrid Policy with Comprehensive Coverage

We recognize that the responsibilities of those who oversee the activities of educational institutions and their charges are growing more and more complex. Learn more about we address this intricacy with Chubb Scholastic Advantage® coverage.

Loss Control and Risk Management Benefit: EPL Assist®

Chubb recognizes the complex employment challenges that public entities face today, where employment practices claims continue to increase. In an effort to help our policyholders reduce losses and avoid claims, all Chubb Scholastic Advantage® policyholders have access to EPL Assist, an interactive value-added service at no additional cost to the policyholder.

Additional Benefits

  • Full Prior Acts Coverage available in most instances
  • Duty to defend policy wording
  • Full severability of the application, and of the fraud and personal profit exclusions
  • Automatic 60-day extended reporting provision, with an optional extended reporting provision available for up to three years
  • Automatic subsidiary coverage for all created or acquired entities that total less than 25 percent of the assets of the Educational Institution


  • Up to $10 million

Target Clients

  • K-12 public schools and public school districts
  • K-12 private schools, independent schools, and charter schools