Multi-Peril Coverages - Series A

Professional Liability Coverages

• Counseling Professional Liability
• Directors, Officers and Trustees Liability
• Employment Practices Liability
• Employee Benefits Liability
• Educators' Liability

Counseling Professional Liability

Inexpensive protection for your school, clergy, employees, and volunteers who counsel under your direction and control and within the scope of their duties.

Directors, Officers and Trustees Liability (DO&T)

This errors and omissions policy protects your directors, officers and trustees against lawsuits alleging matters such as: conflict of interest, failure to exercise good judgment, improper (but not dishonest) expenditures, exceeding authority granted by charter, and failure to honor an employment contract. Spouses also are covered if named in a covered lawsuit. Your school also is covered if it is required to indemnify such individuals involved in the lawsuit.

Payment of court judgments and legal costs are provided if the claim is made while the policy is in force and if you had no prior knowledge of the wrongful act.

Employment Practices Liability (EPL)

Employment Practices Liability insurance provides claims-made coverage in three major areas relating to employees:

• Discrimination
• Wrongful termination
• Sexual harassment

The policy protects your school, which is the named insured, and also your past, present, and future directors, officers, trustees, clergy, and employees for claims made by employees and prospective employees.

Employee Benefits Liability (EBL)

Employee Benefits Liability provides claims-made coverage for acts or omissions arising out of the administration of your employee benefits program.

For example, your failure to enroll an employee in your life insurance, health insurance, disability insurance, or pension plan is a covered omission.

Educators' Liability

Church Mutual’s Educators' Liability claims-made coverage protects your school against actual or alleged "wrongful acts" including:

• Negligent or improper career and academic advisement
• Student discrimination claims against faculty, staff administration, or the school board
• Student civil rights claims for violations of such things as freedom of press, speech, or prayer
• Failure to educate claims from current or former students
• Claims of improper admissions and financial aid policies
• Infringement of copyright by school-sponsored student newspapers or university-press operations.

When acting within the scope of their duties, your past, present, and future trustees, directors, officers, superintendents, faculty, student teachers, clergy, employees, and volunteer workers also are covered.