Being a teacher puts a great deal of responsibility on your shoulders. You typically become the manager of a large group of people, often children in the cases of elementary, middle and high schools. With so many under your supervision, it’s hard to completely avoid any possible incident. According to Caitlin Morgan Insurance, it is also just far more common that educators will face lawsuits nowadays.
While the school employers are held partially responsible for incidents that occur on the property, there are many cases of personal and individual claims, requiring educator liability insurance. This can help to protect teachers from expenses relating to cases which their employers cannot cover.
Why Teachers Need Professional Liability
Society has grown more litigious over the years, leading to more legal claims, both legitimate and unfounded. In many cases, it’s impossible to avoid lawsuits simply due to a lack of evidence or just a moment’s mistake. For example, a teacher could be leading the class through a field trip and lose sight of one child for just long enough for them to be hurt. As a gym teacher, there are many cases where children could be accidentally injured and you could be accused of negligence.
Another example of where educator liability insurance can be necessary is if a parent claims harassment. Also, with nearly everyone having a camera in their hands at all times, video can be recorded on phones and edited in such a way as to make anyone appear badly.