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 | $168-$312
($14 to $26 a month) | Over $600
$50 a month or more |
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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 and o | No. |
As of July 1, 2009 -- This policy comparison does not change the terms of any policy. For more information about our Professional Liability Protection Plan for Educators, call 1-877-33-KEYTA and ask for a membership information packet and an insurance summary.