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 ("Pollutants" means any solid, liquid, gaseous and thermal irritant or contaminant including smoke, vapor, soot, fumes, acids, alkalis, chemicals, and waste. Waste includes materials to be recycled, reconditioned or reclaimed. Please note: Pollutants does not include or mean heat, smoke, vapor, soot, of (sic) fumes from a Hostile Fire or explosion.)
    • 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.