September 27, 2018 at 7:07 pm

It’s Day 4: There are liability coverage options outside of the union

Minnesota teachers want protection against allegations that could threaten their career. And in the wake of the Janus decision, teacher associations want educators to know they have options for excellent liability insurance.

Below are two options to consider; teachers have told us that they also have bids from their home/auto insurance carriers, so you might want to call your agent, as well.

Members of AAE pay $198 per year for a $2 million liability insurance policy, including job protection benefits, legal support, and legal fee coverage.

According to AAE: “Each AAE professional member receives an individual $2,000,000 educator liability insurance policy to cover damages as well defend against claims. Unlike many association policies, AAE’s policy has no group aggregate, each policy is individual and each member is covered for $2,000,000 per claim. In addition, AAE’s policy includes up to $35,000 to protect a member’s teaching license and up to $50,000 to defend a member against criminal sexual misconduct charges, as long as they are found not guilty.”

Here is a helpful chart comparing AAE’s policy and the national teachers’ union policy.

Members of CEAI are insured for $2 million of professional liability coverage for $239 a year. CEAI offers husband/wife educators coverage as a couple for $369 per year. Members also receive legal representation and job protection benefits if they are threatened with a job action such as termination, demotion, involuntary transfer or suspension.

According to CEAI: “The Christian Educators Association International in-dues professional liability plan pays up to $2 million for damages arising from professional liability and employment liability lawsuits, pays defense costs in addition to the liability limit for legal actions arising from professional liability lawsuits, and provides job protection benefits if you are threatened with a job action such as termination, demotion, involuntary transfer or suspension.”

Here is a helpful break-down of CEAI’s coverage plan.

News & Legislative Updates

Don’t let the union pick your politics: Request your PAC refund today

Education Minnesota charges member teachers and education support professionals (ESPs) $25 to support its political action committee (PAC). The PAC deduction is treated as part of union dues, so teachers cannot choose to opt-out of the deduction once and for all.

If Minnesota’s educators want to protect their right to…

Keep Reading

MN Educators: Make your choice about union membership today

Today is the last day for Minnesota educators to exercise their right regarding union membership. Education Minnesota—the state’s teachers’ union—limits when teachers can resign from membership to 30 days in September. EducatedTeachersMN believes this opt-out window is unconstitutional, but until that gets sorted out in the courts, the most…

Keep Reading

Teacher Opt-Out Window Ends Monday, Know Where the Dues Go

Minnesota educators, don’t miss your once-a-year-only opportunity to resign from union membership. If you have decided that union membership is not the best choice for you, go here to get started. Education Minnesota—the state’s teachers’ union—will honor your opt-out letter if it is postmarked by September…

Keep Reading