Frequently Asked KEYTA Insurance Questions
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Q: Does this policy cover a teacher or a principal
who is also a member of a school board? |
A: Such a member is covered while engaged in duties as a teacher or principal,
but not while acting as a member of a school board. |
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Q: Are libel and slander covered? |
A: Yes, while the member is engaged in activities as a professional educator. |
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Q: A member of the public is injured while on school property and sues the
school system. Would this be covered? |
A: No. This policy does not cover the school system. It covers the individual
members. |
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Q: A student is physically injured during a scheduled football practice. He
alleges negligence on the part of the coach. Is the coach covered? |
A: Yes, for example in a case where a coach instructed a player to run the
bleachers as discipline for missing practice, and the student fell and suffered
serious injuries, Coverage A did apply. |
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Q: A claim is made against a principal or teacher for damages as a result of
the suspension of a student. Is coverage provided under Coverage A? |
A: Yes, since monetary damages are alleged. |
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Q: A suit is filed demanding reinstatement of a student alleging improper suspension
by a principal or teacher. What coverage is provided? |
A: Since this action only asks for "injunctive relief" and since it involves
"other professional responsibilities" Coverage B would apply. Reimbursement of attorney
fees up to $10,000 each for principal and teacher would be paid if the suspension
were upheld. |
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Q: Are principals and teachers insured against criminal acts? |
A: Corporal punishment, whether civil or criminal is under Coverage A. Any
other criminal act is covered under B with the maximum of $10,000 payable whether
or not the insured is exonerated. |
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Q: A claim is made against a teacher or principal as a result of a student
being injured during an experiment in the science lab. What coverage is provided? |
A: The accident falls under Coverage A. |
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Q: A claim is falsely and fraudulently made against a teacher for bodily injury
to a student alleging negligence on the part of the teacher. Is this covered? |
A: Yes, The duty of the insurance company to defend is far greater than the
duty to pay. It pays when an insured is judged liable; but it must defend even if
the allegation be false, groundless or fraudulent. |
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Q: What coverage is there in the policy for a member who feels unjustly terminated
or unjustly censured by board action? |
A: The policy covers attorney fees up to $10,000 provided termination or allegations
at a hearing are resolved in favor of the teacher. In one case, a teacher was suspended
and asked to resign although he felt he had done nothing to void his contract. Negotiations
resulted in the teacher recovering requested pay, a contract of release and a recommendation.
His attorney's fee was paid under Coverage B. |
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Q: An educator is accused of sexual misconduct with a student or another teacher.
Is coverage provided? |
A: Yes, under Coverage B only. This may or may not be a criminal action, but
whether criminal or civil, attorney's fees up to $10,000 are payable whether or
not the Educator is exonerated. |