Liability Coverage Texas Educators Can Count On
Today’s Texas educators face myriad challenges, including legal and professional risks. ATPE’s Educator Professional Liability Insurance Program has been thoughtfully designed to help protect you when unexpected situations arise.
Whether you are new to the classroom or have years of experience, the peace of mind that comes with reliable coverage matters. ATPE members have access to affordable, high-quality liability protection and experienced legal support so you do not have to face stressful situations on your own.
With ATPE’s professional liability insurance, eligible members can spend less time worrying about what could happen and more time doing what you love. Teaching with confidence starts with coverage you can count on.
ATPE professional liability insurance policy* highlights include:
- Up to $8 million per insured member per occurrence, subject to aggregate limits of $2 million per insured per occurrence for violations of students’ civil rights and up to $500,000 per insured for bodily injury/property damage claims.
- Up to $20,000 aggregate per insured for employment rights defense with a $10,000 per claim limit, win or lose.
- Up to $10,000 per claim and aggregate per insured for successful appeals beyond the school board or commissioner of education.
- Additional $5,000 per claim and $10,000 aggregate per insured for favorable-outcome certification and termination claims.
- Up to $15,000 aggregate for criminal defense and up to $10,000 for criminal defense with up to an additional $5,000 for not guilty verdicts, acquittal, withdrawal, or dismissal.
- Up to $5,000 per claim for bail bond reimbursement per insured.
In addition to the above insured benefits, eligible ATPE members have access to a team of staff attorneys who may help with job-related legal concerns.** The ATPE Member Legal Services Department retains more staff attorneys than any other Texas educators’ association. Our legal team provides eligible members with quick, confidential assistance with employment-related legal concerns—in English or Spanish—at no additional cost. You can arrange an after-hours call if it’s inconvenient to speak during regular business hours.
View the details of the professional liability insurance policy at atpe.org/protection.
For assistance, members must call (800) 777-2873 or complete the form at atpe.org/MLSIS. For more information, visit atpe.org/protection.
*The Educators Professional Liability Insurance Policy is underwritten by the National Union Fire
Insurance Company of Pittsburgh, PA., with $5.4 billion in net surplus and more than $20.7 billion in total
admitted assets as of December 31, 2024. The insurer may not be subject to all insurance laws and
regulations of this state. The foregoing notice is provided pursuant to Texas Insurance Code Chapter
2201. ALL COVERAGE IS SUBJECT TO THE EXPRESS TERMS OF THE MASTER LIABILITY INSURANCE POLICY
ISSUED TO ATPE AND KEPT ON FILE AT THE ATPE STATE OFFICE. Coverage applies to an insured’s
activities within his/her professional capacity and does not apply to activities that predate the coverage
period. View the complete details of the insurance policy at atpe.org/protection. Eligibility for ATPE
membership benefits is contingent upon ATPE’s receipt of the entire annual membership dues amount
for your appropriate membership category. A disruption in payments to an authorized payment plan may
result in discontinuation of such benefits. ATPE reserves the right to determine eligibility for the appropriate membership category. The membership year runs from August 1–July 31.
**Staff attorney services are provided separate from the Educators Professional Liability Insurance Program.
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