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Administering an educational institution has always been challenging - and it certainly isn't getting any easier. While educators are eager to take on the challenges of the classroom, it is the challenges of the courtroom that they can do without. Fueled by a litigious society, numerous laws and highly publicized monetary awards and settlements - students, parents, the government, and most often, fellow staff members are "dragging" even the best-run schools and well-intentioned educators into court.

Schools, board members, trustees, administrators and teachers must defend everything from their student admission policies to their employment practices. Institutions can end up spending millions of dollars to defend a case against them and the related damages or settlement amounts. Meanwhile, administrators, teachers and educators may find themselves personally and financially liable for their alleged actions or inactions. Educational institutions and educators that are unprotected can risk learning an expensive lesson.

To help educators and their educational institutions, HDFC ERGO General Insurance Company Ltd. offers a comprehensive educator's professional liability insurance policy. This policy was designed especially to help address the insurance needs of educational institutions, their board members, administrators, trustees, teachers and other employees.

Features:

	Prior acts coverage
	Broad definition of employment practices
	Broad definition of educator's errors and omissions
	Broad definition of claim
	Coverage is determined separately for each individual (severability)
	Spousal liability coverage