LIABILITY AND EMPLOYMENT RIGHTS INSURANCE COMPARISON

Percentage of claims
at PET

PET

Professional Educators of Tennessee

TEA

Tennessee Education Association

< 5%

Liability Insurance (Coverage A)

$2,000,000 per insured per occurrence plus defense costs and $3,000,000 per occurrence if more than one member is involved, plus defense costs.  NOT reduced for civil rights cases.

$1,000,000 per member per occurrence including defense costs and $3,000,000 per occurrence if more than one member is involved, including defense costs, but limited to $300,000 for civil rights cases, including defense costs. 

Errors & Omissions

$2,000,000

$1,000,000

< 8%

Attorney Fee Reimbursement in Criminal Cases (Coverage B)

$35,000 per claim for criminal cases if exonerated and up to $10,000 if not exonerated. 

$35,000 per criminal proceeding, only if exonerated.  If the criminal proceeding is the result of corporal punishment, attorney fees are reimbursed up to the limit whether or not the member is exonerated.

< 1%

Bail Bond Reimbursement

$1,000

$1,000

Too new
to tell

Private Instruction/Tutoring Coverage

$1,000

NONE

< 1%

$500

$500

> 85%

Employment Rights Insurance (Coverage B)

Guaranteed:  If a professional's rights having to do with the job are illegally violated, the policy provides legal assistance. PET's employment rights insurance reimburses up to $10,000 in defense costs. If the violation is not proven, up to $1,000 in attorney's defense fees will be provided.

NONE