What's Covered

  • Injuries to students and other persons for whom the insured is responsible, such as Research/Teaching Assistants and employees of the institution who work under your supervision (Contingent Liability)
  • Property damage
  • Accusations relating to:
    • Pollution Liability
    • Defamation and personal injury
    • Sexual misconduct - provided you are found not guilty or the charges are dismissed
    • Wrongful employment practices
    • Wrongful intellectual property practices

Key Advantages:

Coverage for Professional Liability, Employment Practices, Pollution, Bodily Injury and Intellectual Property

  • Unlike traditional educators legal liability policies, the ACS Chemical Educators Legal Liability policy provides the unique coverage necessary for chemistry educators

Broad Definition of Wrongful Acts, Including:

  • Actual or alleged negligent act, error or omissions
  • Contingent bodily injury and property damage liability
  • Pollution liability
  • Loss means a compensatory monetary amount for which Insured may be legally liable
  • Wrongful Employment Practices based on Discrimination, Harrassment or Retaliation
Broad Definition of "Insured Educator", Including:
  • Named Insured, other covered individuals listed on declarations page and the estate, heirs, executors, administrators, and legal representatives of Insured.

Potential Claim Circumstance Enhancement

  • Witness compliance
  • Administrative proceeding

Coverage for Wrongful Intellectual Property Practices

  • Actual or alleged infringement of copyright, plagiarism, piracy, or misappropriation of ideas. Infringement of title, slogan, trademark, trade name, service mark, service name
  • Misappropriation of trade secrets, or proprietary or confidential information

*Refer to the policy for complete details, including features, costs, eligibility, renewability, limitations and exclusions.