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In today's world, where lawsuits are increasingly common, financial awards can soar to extremely high levels, often exceeding typical insurance coverage limits. If you encounter a legal situation where the costs of defense and settlements surpass your employer's insurance coverage, you might be personally responsible for covering the difference. This is where American Professional Agency's robust coverage becomes invaluable. Further, most employer policies do not cover legal defense expense reimbursement for Board Investigations/Complaints.

Yes, our professional liability policy for Special Educators will cover you for various practice settings such as volunteering, private practice, independent contracting, and will also cover you if you are exclusively employed.

Yes, our professional liability insurance coverage for Special Educators protects you in the event that you have experienced bodily injury or property damage as a result of an assault or battery committed by a patient (client).

Yes, our professional liability policy for Special Educators includes defense reimbursement for legal fees associated with a board complaint or investigation. $5,000 per complaint is included under the policy with no annual aggregate; higher limits up to $150,000 may be available at an additional charge.

Proof of coverage may be issued on the same day your application is approved, and payment is received. Your certificate of insurance will be emailed to you (usually by the next business day after approval and payment). A Declarations page will be sent to you via USPS shortly thereafter.

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2025 American Professional Agency, Inc.

Privacy policy Terms of use

Any information related to costs, premiums, or coverage provided before receiving an official customer quote from American Professional Agency, Inc. is merely an estimate and not guaranteed. Actual cost, premium, and coverage are dependent upon various unique factors associated with each individual risk. Customer quotes are contingent upon the information supplied and are subject to underwriting and rating evaluations. Until a formal quote is issued, all content on the website, email communications, or in advertisements should be viewed solely as examples for informational purposes, lacking any offer or guarantee of premium or coverage. Additionally, the coverage terms and conditions are dictated by the specific policy issued, and any explanatory information provided does not in any way alter the terms of the policy or confirm the existence of coverage.

2025 American Professional Agency, Inc.

Privacy policy Terms of use

Any information related to costs, premiums, or coverage provided before receiving an official customer quote from American Professional Agency, Inc. is merely an estimate and not guaranteed. Actual cost, premium, and coverage are dependent upon various unique factors associated with each individual risk. Customer quotes are contingent upon the information supplied and are subject to underwriting and rating evaluations. Until a formal quote is issued, all content on the website, email communications, or in advertisements should be viewed solely as examples for informational purposes, lacking any offer or guarantee of premium or coverage. Additionally, the coverage terms and conditions are dictated by the specific policy issued, and any explanatory information provided does not in any way alter the terms of the policy or confirm the existence of coverage.