What Teachers Should Know About Insurance
(Making sure you’re covered)
There are more than 3.2 million public and private school teachers in the United States, according to the National Center for Education Statistics (NCES). In today’s litigious society, that’s 3.2 million targets for lawsuits.
A 2014 survey by the Organization for Economic Co-operation and Development (OECD) showed that an American teacher with 10 years of experience earned an average of $53,758.
Considering that injury claims can run from $25,000 to hundreds of thousands of dollars, that income is not nearly enough to withstand a lawsuit from a student’s parents should their child be injured while under a teacher’s supervision.
Doctors and lawyers would not dream of practicing without liability (or malpractice) insurance. In today’s sue-happy world, a teacher should not step into a classroom without the protection of a professional liability insurance policy.
According to a 2014 Harris Interactive poll, 60% of respondents viewed teaching as a prestigious profession. Teachers ranked 10th, behind other careers such as engineering, architecture, clergy and nursing.
As respect for teaching declines, the number of incidents sparking lawsuits increases, and the more parents and others tend to blame teachers when things go wrong in the classroom.
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