POLICY FEATURE |
KEYSTONE TEACHERS ASSOCIATION |
TYPICAL TEACHER UNION POLICY |
| Available Limits of Liability Coverage |
$2,000,000 Liability Coverage |
$1,000,000 Liability Coverage |
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| Average Annual Cost of Membership |
$240 - $360
($20 to $30 a month) |
Over $600
$50 a month or more |
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| Annual Cost of Student Membership |
$30.00 |
$30.00 |
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| Liability Limit Per Member / Aggregate Limit Per Occurrence |
$2,000,000 per member per occurrence
$3,000,000 per occurrence |
$1,000,000 per member per occurrence
$3,000,000 per occurrence |
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| What coverage exists in the policy for employment rights / job protection? |
Guaranteed up to $10,000 for legal expenses is available for legal consultation and local representation. Covered actions include dismissal, tenure, salary, leave of absence, assignment, resignation, and other professional rights, duties, and responsibilities. |
Excluded from policy coverage. However, the teacher union may, at their discretion, assign an attorney if the claim merits the union's involvement. |
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| What liability coverage does the policy provide for Civil Rights cases? |
The full $2,000,000 liability coverage applies for Civil Rights lawsuits. |
Coverage is limited to $300,000, which includes both damages and defense costs. |
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| What coverage exists for possible criminal charges? |
Reimbursement of legal expenses up to $35,000, if exonerated. Of this amount, up to $10,000 is guaranteed regardless of the outcome, even if not exonerated. |
Reimbursement of legal expenses up to $35,000, if exonerated. (except in corporal punishment, where there is no requirement for exoneration) |
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| Are premiums for bail bonds covered? |
Yes. Up to $1,000. |
Yes. Up to $1,000. |
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| Am I covered for personal property damage caused by student assault? |
Yes. Members are reimbursed up to $500 for damage. |
Yes. Up to $500 after your homeowner's policy has paid. |
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| Am I covered for lawsuits filed by other teachers in my school system? |
Yes |
Only if related to an established peer review system. |
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| Do I have protection for private instruction (tutoring)? |
Yes. Up to $10,000 in reimbursement of attorney fees for private tutoring services provided outside the scope of your school duties. |
No. |
This policy comparison does not change the terms of any policy. For more information about our Educators Professional Liability Insurance Program, visit KEYTA’s website at www.keyta.org, or call 877-33-KEYTA and ask for a membership information packet and an insurance summary.
*A union shop school district has a union fee (also called ”fair share fee” by union officials) clause in their teachers’ contract where non-union educators are forced to pay the union a fee in order to be employed within that district or educational entity. During the 2010-2011 school year, this fee was $405.00. If you are in a union shop school district, contact your school board to have this fee removed upon your contract’s renewal.