Coverage Highlights
Civil Rights Violations
Covers claims alleging violations of a student’s or employee’s civil rights, including due process, equal treatment, or freedom of expression.
False Arrest
Protects educators and districts against claims involving wrongful detention or restraint of students or individuals on school grounds.
Extends to Other Authorized Personnel
Encompasses coverage for designated school marshals and individuals authorized under guardian programs, as defined by the Texas Education Code.
Occurrence Form
Provides coverage for claims arising from incidents that occurred during the policy period, regardless of when the claim is filed—offering long-term protection even after the policy ends.
Defense Costs Are in Addition to the Coverage Document Limits
Ensures that legal defense expenses are paid without reducing the total coverage available for settlements or judgments, preserving more funds for actual claim payouts.
No Exclusion for Punitive and Exemplary Damages
Extends protection to include certain court-awarded damages meant to punish or set an example, which are often excluded from standard liability policies.
Disclaimer: The Coverage Document, not this webpage, forms the contract between the Member and the Pool. The Coverage Document contains limits, exclusions, and conditions that are not listed here. All coverages are subject to individual underwriting judgments and to state legal and regulatory requirements. This webpage is provided for informational purposes only.
