• 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

• 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