Liability Insurance / Legal Protection Plan

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PAGE offers the best legal protection and professional liability insurance available. Each year hundreds of PAGE members benefit from successful resolution of their legal situations.

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PAGE works in a positive, professional and confidential manner on legal issues, without fanfare or publicity. Our members do not wish for undue publicity that can further damage their case or their reputations. We believe that this is the best way to resolve sensitive legal matters, therefore you rarely read or hear about PAGE members’ legal problems in the media. But we are there supporting our members.

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Professional Liability Coverage

Our policies cover you for activities performed in your professional capacity, i.e., those duties required of you as an employee of your school or school district.* There is NO coverage for activities performed outside your professional capacity, such as activities performed on a volunteer basis or those conducted in a private business or private professional endeavor.

 

Professional liability coverage to protect your financial well-being in the event you are sued for negligence for negligence by a parent or student.* Up to:

• $1,000,000 per insured, per occurrence

• $3,000,000 per occurrence

• $3,000,000 aggregate per insured, per policy contract period

• $5,000 in bail bond reimbursement for work-related criminal charges

• $2,500 Assault-related Personal Property Damage Endorsement
   

Our legal defense plan includes:

• Free access to PAGE Staff Attorneys

• $10,000 in Employment, certification and work-related criminal defense to protect your career … with no upfront costs! (annual aggregate is $20,000)
   

Coverage By Membership Categories

Professional Members:

• $1,000,000 of professional liability coverage (plus defense cost) when you are sued by a parent or student in relation to the performance of your duties on school grounds or off school grounds, subject to the exclusions noted in the policy.

• Up to $10,000 in criminal defense coverage, win or lose, when you are charged with a crime related to your duties.*

• Up to $10,000 in employment rights defense coverage when your employment rights have been violated.*

• Up to $10,000 in certification cases where the PSC attempts action against your certificate.*

• $5,000 bail bond reimbursement.

• $10,000 in Accidental Death insurance coverage.

• $2,500 for Assault Related Personal Property Damage

* For criminal, employment and certification coverage, the annual aggregate is $20,000 combined.

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Support Members:

(Support membership is only valid while in a support position. A support member must upgrade to professional membership as soon as he/she moves into a professional position in order for coverage to remain.)

• $1,000,000 of professional liability coverage (plus defense cost) when you are sued by a parent or student in relation to the performance of your duties on school grounds or off school grounds, subject to the exclusions noted in the policy. (For Bus Drivers, please see important note below)

• Up to $10,000 in criminal defense coverage, win or lose, when you are charged with a crime related to your duties.*

• Up to $10,000 in employment rights defense coverage when your employment rights have been violated.*

• Up to $10,000 in certification cases where the PSC attempts action against your certificate.*

• $5,000 bail bond reimbursement.

• $10,000 in Accidental Death insurance coverage.

• $2,500 for Assault-Related Personal Property Damage

* For criminal, employment and certification coverage, the annual aggregate is $20,000 combined.

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Important Note for Bus Drivers: PAGE does not represent bus drivers in traffic court. In cases involving the operation of a motor vehicle, bus drivers are covered by the school system’s fleet insurance policy. For professional liability policies, the standard insurance industry policy exclusions include operation of a motor vehicle. This exclusion is referenced in the PAGE policy and all other association policies. PAGE will, however, provide certain supplemental legal services to bus drivers in cases involving operation of a motor vehicle. For example, in accident cases resulting in death or serious injury, PAGE can assign an attorney to monitor the insurance and/or legal proceedings to provide ongoing oversight and communication to the member.

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Student Members:

Student membership is only valid for student teaching and related field experiences. Student membership does not include coverage for any paid positions. Students must upgrade membership to professional or support in order to have any coverage while employed.

• $1,000,000 of professional liability coverage when you are sued by a parent or student in relation to the performance of your duties on school grounds or off school grounds, while engaged in student teaching and related field experiences, subject to the exclusions noted in the policy.

• Up to $10,000 in criminal defense coverage, win or lose, when you are charged with a crime related to your duties.*

• $5,000 bail bond reimbursement.

• $10,000 in Accidental Death insurance coverage.

• $2,500 for Assault Related Personal Property Damage
   

Retired Life, Retired and Friends of PAGE:

•  None of the above stated coverage applies to these membership categories.

 

These policy descriptions in no way alter or modify the master policies on file with the Association. The policies govern actual coverage of claims available to PAGE members. Copies of the actual policies are available at the PAGE office.

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Coverage is limited to activities performed in a professional capacity and is subject to industry-standard exclusions. 

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