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Professional Educator Liability Protection
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For your peace of mind...

• $2 Million per member per occurrence

• $3 Million occurrence if more than 1 member involved

• Coverage for coaching, tutoring & private instruction

• Neither civil nor constitutional rights claims excluded

• up to $35,000 for Criminal Acts

This brief description of the insurance coverage is to provide general information only to members and potential members and in no way alters of modifies the policy on file with the Association. Coverage begins at 12:00:01 the day following enrollment. Coverage is only applicable to Professional, Support, and Student Memberships.


Due to their unique role, teachers face exposure to liability much greater than does the average citizen and therefore must exercise a higher duty of care than most professionals. Nearly every day teachers must deal with diverse laws related to issues such as child abuse, student discipline, negligence, defamation, student records and copyright infringement. Tennessee teachers often cite professional liability insurance as a major reason for becoming a member, and rightly so. Our Professional Educator Liability Coverage provides members with the most liability protection of any organization in Tennessee, at the lowest cost. Read More About Exposure Faced by Educators.

Our policy has protected many members in liability suits and/or job actions over the years. In each instance, the member needed to access the policy protections because the school district policy did not cover them. In addition to the liability insurance protection discussed above, as a Professional Educators of Tennessee member you also receive a very important type of legal protection:
Learn More About Employment Protection.



Liability Limits - are $2,000,000 per member per occurrence and $3,000,000 per occurrence if more than one member is involved, plus 100% of defense costs.

Coaches - are covered during coaching duties.

Private Instruction/Tutoring Coverage - covers private instruction & tutoring that occurs in the course of your duties as an employee of a school/accredited education institution

Civil Rights - Neither civil nor constitutional rights incidents are excluded where claims for monetary damages are made.

Criminal Acts - Up to $35,000 for reimbursement of attorney fees, if exonerated and up to $10,000 if not exonerated. This includes actions against Professional Educator of Tennessee members arising out of an alleged violation of the laws of the land arising from activities of the insured in his/her professional capacity as an educator.


Incidents that occur or begin prior to the effective date of membership are not covered.

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