Liability Protection
Lawsuits and Criminal Charges
Lawsuits by a Parent or Student: Your active association membership provides you with a professional liability insurance policy. You are covered if a parent or student sues you for something that occurs while you are doing your job. You can be sued in your employment capacity for a variety of reasons, including student injury, property damage, or discrimination based on race. Your NEA/AEA liability policy covers legal defense expenses and court-ordered judgments, up to $1 million for most claims and up to $300,000 for civil rights claims.
Look through your insurance policy for more detailed coverage information. For example, the policy does not cover vehicle operation. A helpful brochure containing answers to common insurance questions also is available from AEA staff.
Reminder: Your NEA/AEA liability insurance helps protect members faced with frivolous lawsuits and false criminal accusations. The power of your association is the foundation for this remarkable protection.
Accusations of Criminal Conduct: If you are accused of serious criminal conduct related to your employment (such as theft of school property, sexual contact with a student, or assaulting a student), call your representative or Organizational Consultant immediately and advise them of the accusations against you. Be careful before you tell your side of the story to your employer or anyone else. Seek the advice of an attorney first. Except for confidential communications to your attorney, most information you tell others may be used against you in a criminal case. Your Organizational Consultant can refer you to the AEA General Counsel for a consultation with an AEA-assigned attorney regarding any employment problems that result from the criminal accusations. For example, an AEA-assigned attorney can defend you at a dismissal hearing or negotiate a resignation settlement on your behalf.
If you are exonerated (acquitted or all charges dropped) of most work-related criminal charges, your NEA/AEA liability insurance will reimburse you for criminal defense expenses up to $35,000. You can also be reimbursed for up to $1,000 for a bail bond premium.
Personal assaults at work: If a student assaults you at work, your NEA/AEA liability insurance can reimburse you up to $500 for damage to personal property, such as broken glasses and torn clothing.