MEA stands up for members' rights by providing each member with $1 million in liability insurance

Chemistry labs, gymnasiums and other school facilities can be dangerous places, and accidents often result in lawsuits.

And yes, there are also some litigious people out there, waiting for the next opportunity to sue someone — even their child’s teacher or bus driver.

Much in the same way physicians should have medical malpractice insurance as protection against claims, teachers and education support staff need professional liability insurance to protect them from workplace civil and criminal claims.

MEA strongly believes that employers should provide school employees with insurance to protect them from personal financial liability stemming from employment-related lawsuits. However, this is not always the case — that’s why MEA provides all members with $1 million in professional liability insurance as a benefit of membership.

The NEA Educators Employment Liability program, administered by MEA, protects members from personal financial liability for most incidents arising out of their educational employment activities or duties. Examples include student injuries and charges of educational malpractice.

The insurance includes attorney’s fees, so members won’t have to pay a dime out of their own pockets to defend themselves from frivolous civil lawsuits related to their employment.

The coverage is worldwide, includes coverage on and off school grounds, and is in force 24 hours a day, as long as a member is performing his or her educational employment activities.

The Educators Employment Liability program is an “occurrence policy.” For example, if a member is sued for a 2005 incident, coverage would be available if he or she was an MEA member at the time of the occurrence — even if the claim wasn’t made for years afterward.

In addition, members receive up to $500 worth of legal fees during an investigation stage that may lead to the filing of a criminal complaint related to their work.

The Educators Employment Liability program is completely dues-funded — members pay no additional premiums for coverage.

For more information, contact your local UniServ Director.