Question 1

Am I covered for board complaints?

Accepted Answer

Yes, our professional liability policy for Special Educators includes defense reimbursement for legal fees associated with a board complaint or investigation. $5,000 per complaint is included under the policy with no annual aggregate; higher limits up to $150,000 may be available at an additional charge.

Question 2

Am I covered for first party assault and battery?

Accepted Answer

Yes, our professional liability insurance coverage for Special Educators protects you in the event that you have experienced bodily injury or property damage as a result of an assault or battery committed by a patient (client).

Question 3

Will this policy cover me for all practice settings?

Accepted Answer

Yes, our professional liability policy for Special Educators will cover you for various practice settings such as volunteering, private practice, independent contracting, and will also cover you if you are exclusively employed.

Question 4

I am covered by my employer, do I need my own policy?

Accepted Answer

In today's world, where lawsuits are increasingly common, financial awards can soar to extremely high levels, often exceeding typical insurance coverage limits. If you encounter a legal situation where the costs of defense and settlements surpass your employer's insurance coverage, you might be personally responsible for covering the difference. This is where American Professional Agency's robust coverage becomes invaluable. Further, most employer policies do not cover legal defense expense reimbursement for Board Investigations/Complaints.

Question 5

Who provides the insurance coverage?

Accepted Answer

The coverage is provided by American Professional Agency, Inc., underwritten by Allied World Insurance Company, and its member companies.

Question 6

How soon may I obtain proof of coverage?

Accepted Answer

Proof of coverage may be issued on the same day your application is approved, and payment is received. Your certificate of insurance will be emailed to you (usually by the next business day after approval and payment). A Declarations page will be sent to you via USPS shortly thereafter.