This content is sponsored by Insurance Canopy.
Why Choose Insurance Canopy?
For over a decade, Insurance Canopy has offered simple teacher liability insurance built just for educators like you. We get that you’re managing student safety and behavioral support every day. A lot depends on you, and you deserve support, too.
Teacher insurance is your financial safety net if a claim arises from your teaching, like a student getting hurt or someone else’s property getting damaged.
How Teacher Insurance Protects You
Teacher insurance follows you wherever you teach to cover your key risks:
- Covers student injuries and harm to other people’s property with general liability insurance
- Protects you from accusations of negligence or mistakes in your work with professional liability insurance
- Helps pay for legal expenses like attorney fees, settlements, damages, and more if a claim is filed against you
You can also customize your policy to fit your specific needs with extra coverages, like protection for your teaching supplies or against miscommunications and allegations.
See how each coverage protects teachers in real-life situations in Teacher Liability Insurance 101.
Here are a few examples of how Insurance Canopy supports special education teachers if something goes wrong.
- A student damages a checkout kiosk during your class outing to a grocery store, and the store claims inadequate supervision. Estimated cost: $5,000
- A student slips and falls during your turn on bus duty, and you’re named in the injury claim. Estimated cost: $10,000
- A claim is filed alleging your student didn’t receive the required accommodations. Estimated cost: $30,000
- A misconduct claim is filed after a student reports concerns about how a behavioral situation was handled. Estimated cost: $40,000
Note: These claim scenarios are intended as examples, not a guarantee of coverage. Circumstances vary, so make sure to check your policy for exclusions and details, or contact us. We’re always happy to answer your questions!
Why NASET Members Benefit from Teacher Insurance
Helping special education students succeed often means hands-on support and a high level of responsibility, creating a higher risk for accidents. We’re proud to partner with NASET to offer affordable coverage that supports your confidence in the classroom and beyond.
Having your own personal coverage helps you:
- Protect your personal finances if something goes wrong
- Fill gaps in school-provided coverage
- Stay covered for afterschool clubs, community-based outings or field trips, and more
But What If My School or Union Has Insurance? Do I Still Need My Own?
Even if your school, district, or union has liability insurance, it typically protects the institution first. That means there can be hidden gaps in your school coverage. If something goes wrong that’s outside your role as written in your contract, your school or union may not cover you or pay costs like legal defense.
That’s why many teachers need their own insurance.
Should You Consider Teacher Insurance?
You may need insurance beyond what your school or district provides if you:
- Work in special education or student support roles
- Manage behavior plans
- Supervise students in off-campus or high-touch settings
- Are not named directly on your school’s liability insurance policy
Still not sure? Here are some questions to ask HR or your union about how their coverage extends to you:
Quick Questions: How to Check If You Need Teacher Liability Insurance
Get Affordable Protection Designed Just for You
You became a teacher to focus on the students, not the risks. Teach confidently with teacher insurance starting at just $21.08/month from Insurance Canopy.
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