TFA liability insurance
What Does Liability Insurance Cover?
Professional liability insurance provides robust coverage designed specifically for educators, ensuring you have the support you need when it matters most:
$2 Million in Professional Liability Coverage
Protect yourself against claims of bodily injury, property damage, or emotional distress that may arise during your teaching activities. This includes coverage for incidents such as student injuries or accidents in your classroom.
Job Action Protection
If you face disciplinary action, termination, or other employment-related disputes, you’ll have access to a local attorney to represent and defend you. Unlike union-provided protections, this coverage is guaranteed under your individual policy.
Legal Defense for False Claims
In cases of false accusations, such as slander or wrongful discipline claims, our insurance ensures you have the resources to defend your reputation and career.
Coverage Beyond the Classroom
Whether you’re teaching in-person or online, our policy extends to cover school-sanctioned activities like tutoring, after-school programs, and professional development instruction.
How do Alternative Liability Insurances Compare
The Teacher Freedom Alliance’s liability insurance stands out as a robust, non-union alternative for educators seeking comprehensive protection without compromising their values.
Here’s how it compares to the liability insurance offered by the National Education Association (NEA) and the American Federation of Teachers (AFT):
Feature | Teacher freedom alliance | nea/aft (eel program) |
|---|---|---|
Liability Coverage Limit | $2 million per insured, per occurrence. $3M per occurrence aggregate. | $1 million per occurrence. |
Policyholder | TFA is the Policyholder, but you are the Insured educator the policy is written for, and can file a claim at any time under your own discretion. | Policy is in the union’s name and claims are submitted to a union appointed committee who decides whether or not to file your claim. |
Legal Defense Costs | Defense costs included and are outside of the Liability limit (provided up $2M). No deductible. | Included, but subject to state-specific provisions and restrictions. |
Attorney Fee Reimbursement for Criminal Claims | Up to $35,000 per claim, per insured. $10,000 of this amount is available without regard to final judgement. | Up to $35,000 for criminal actions if found innocent. |
Bail Bond Coverage | Up to $1,000. | Limited or unspecified. |
Corporal Punishment Coverage | If Corporal Punishment is permitted in the jurisdiction where the school is located, then Liability coverage may apply. If tied to a criminal charge, attorney fee reimbursement is provided, subject to the $35,000 limit with $10,000 available regardless of outcome. | Covered under specific circumstances. |
Employment-Related Disputes | Consistent access to legal representation for job actions, disciplinary hearings, and termination cases. | Provided but often tied to union discretion and local/state affiliate involvement |
Advantages vs limitations
Key Advantages of Teacher Freedom Alliance Partner Insurance
Professional liability insurance provides robust coverage designed specifically for educators, ensuring you have the support you need when it matters most:
1. Higher Coverage Limits
Our policy offer $2 million in liability coverage per occurrence—double the $1 million typically provided by NEA/AFT’s Educators Employment Liability (EEL) program.
2. Master Educators Professional Liability Policy
Unlike union-provided coverage, which is often discretionary and subject to union priorities, Teacher Freedom Alliance insurance provides consistent access to benefits when needed.
3. Broader Legal Support
Many educators prefer alternatives that don’t require membership to a union they don’t agree with. Teacher Freedom Alliance provides high-quality protection without funding political agendas or union activities.
Limitations of NEA/AFT Insurance
1. Union Dependency
NEA/AFT insurance is automatically included with membership dues which can be upwards of $1500 a year depending on your region. This also requires navigating union bureaucracy and local/state affiliates for claims processing.
2. Lower Coverage Limits
The $1 million liability cap may not be sufficient in severe cases involving significant damages or legal costs.
3. Discretionary Support
Legal assistance often depends on union priorities or approval from local representatives, potentially delaying support during critical situations.
How to Opt In for TFA Liability Insurance
Become a TFA member and join a network of like-minded educators. FREE $2M liability insurance will be accessible to approved full-time elementary and secondary school teachers and currently enrolled student teachers.
When Teachers Speak, We listen: Saving Public Education Together
When Teachers Speak, We listen:
Saving Public Education Together
"There is so much power in realizing you are not alone. Teachers are in the frontlines of a very dysfunctional system and society. We are the foundation and future for the direction of both. Empowering teachers will help change our society in a good way, but there are so many teachers who are afraid to speak up. Thank you for helping us find each other and educate ourselves and others!"
Dave
High School Educator and Coach
"Let teachers teach. Let parents parent. And let kids be kids.”
Manny Diaz, Jr.
Florida Education Commissioner
The Teacher Freedom Alliance is empowering and reenergizing teachers to fight for education and giving them access to information and resources they might never had gotten before."
Karin
Special Education Teacher
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The Teacher Freedom Alliance relies on the support of generous people like you to support public-school teachers to develop Free, Moral, and Upright American Citizens.