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Coverage is offered on a program basis through Professional Governmental Underwriters, Inc. (PGU).

Ned Daly
V 800 586 6502
F 804 272 7852


Additional Product Offerings


Educators Professional Liability

Eligible Risks

    Preferred
  • Public, Private, Not-for-profit, and For-Profit Educational Institutions, comprised of:
    • Primary, intermediate, and secondary schools (grades K-12), including charter and/or magnet schools
    Selective
  • Colleges, universities, and other educational facilities

Limits

  • Up to $5 million for E&O / EPL
  • Up to $250,000 for School Violent Acts, in addition to limits for E&O / EPL
Features & Highlights
  • Defense expenses outside the limits for E&O, EPL and Third-party Liability claims, other than those seeking non-monetary relief
  • Full policy limits for claims seeking non-monetary relief
  • Broad EPL coverage
  • Broad definition of Employee
  • Third-party coverage, including coverage for emotional distress
  • Defense expenses coverage, in addition to the limits, for certain claims involving:
    • Individual education plans
    • Breach of collective bargaining agreements
    • Discrimination / failure to integrate
  • Broad definition of Claim, including certain administrative or regulatory proceedings
  • Broad definition of Insured
  • Loss includes pre- and post-judgment interest and punitive damages, where
    insurable, with most favorable venue (punitives coverage is offered on either a full limits or a sublimited basis, depending on defense expense treatment inside or outside the limit)
  • Reporting of claims allowed for 75-days after policy expiration, without need to
    purchase tail
  • Bilateral ERP with options for 1, 2, and 3 years
  • Severability of Insureds with respect to statements in the application
  • Worldwide territory, provides coverage for claims brought outside U.S. (some territorial restrictions on School Violent Acts)
  • Non-cancellable by Insurer, except for failure to pay premium

Geographic Restrictions

  • None; written on a surplus-lines basis

Act of School Violence Crisis Management Coverage

    School violent acts coverage is available as an endorsement to the Educators Professional Liability policy to pay crisis management-related expenses following an act of school violence.

Limits

  • Up to $250,000 per act / $250,000 aggregate
Features & Highlights
  • Coverage available by endorsement to entities that are eligible for educators professional liability coverage
  • First-dollar coverage available (some risks subject to deductible)
  • Eligible crisis management expenses include expenses incurred by the Named Insured related to:
    • Public relations
    • Insured’s travel / printing
    • Extraordinary travel expenses for victim’s family
    • Post-violence avoidance improvements
  • School emergency response plans and the vendors providing crisis management services need not be carrier-approved
  • Carrier does not invoke control of crisis management services, even if exposure under policy exists
  • Funds available immediately following covered violent acts
  • Coverage can be triggered by a credible threat communicated to the Named Insured, prior to actual bodily injury being suffered by any victims

Submission Requirements

Coverage is offered on a program basis through Professional Governmental
Underwriters, Inc. (PGU). Eligible risks may be submitted to:

Ned Daly
V 800 586 6502
F 804 272 7852
E ndaly@pgui.com
9020 Stony Point Parkway
Suite 455
Richmond, VA 23235

PGU


Darwin Professional Underwriters, Inc.
9 Farm Springs Road, Farmington, CT 06032

V 860-284-1300 | F 860-284-1301 | E info@darwinpro.com