MyPayMySay, an advocacy group, has drawn attention to the increasing legal risks faced by educators due to incidents in classrooms. The organization recommends that teachers consider obtaining personal liability insurance. This advice was shared on their website on March 22.
"These protections often extend beyond the coverage provided by standard school district policies," said MyPayMySay. "There are still accessible and affordable professional liability insurance options available. It's crucial to thoroughly review policy terms, understand coverage exclusions, and choose a reputable provider with experience in serving educators."
According to MyPayMySay, educators are encouraged to carry personal liability insurance as school district policies often prioritize institutional protection over individual staff. This type of coverage is designed to protect teachers from legal and financial risks related to their professional duties, such as student injuries or false misconduct claims. It also assists with covering legal defense costs in disputes over grading or interventions in student altercations.
Teachers who opt not to join a union can still find affordable and tailored professional liability insurance through independent providers and professional organizations. These policies typically offer competitive rates and flexible coverage options suited to individual teaching environments and risk levels. By evaluating their needs, reviewing policy terms, and selecting reputable providers, teachers can secure effective protection. This allows them to focus on their work with greater peace of mind, knowing they are covered in the event of legal challenges, according to MyPayMySay.
The Oklahoma Council of Public Affairs (OCPA) reports that Senate Bill 1592, introduced by Oklahoma Senator Greg Treat in 2022, proposed a state-funded $1 million liability insurance policy for every public school teacher and employee in Oklahoma. The bill aimed to protect educators from personal financial risk due to lawsuits, especially in cases like breaking up student fights.
According to its website, MyPayMySay empowers educators with resources, advocacy, and support for navigating today’s classroom challenges. Focused on teacher autonomy and student success, the organization promotes policies that foster informed decision-making and high-quality education.
Information from this article can be found here.
