Magazine article Teach

Reduce Your Exposure to Risk

Magazine article Teach

Reduce Your Exposure to Risk

Article excerpt

Do you ever bring personal items from home and leave them in the classroom? Or, bring school board items home with you? Or even drive students in your car? If you do, you are likely exposing yourself to unwanted risk.

Whether you are beginning your career as an educator, or have been teaching for several years, it's important to consider relevant insurance and liability matters that can affect you as an education employee. Knowing how to protect yourself is the first step.

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When bringing personal items into the classroom, it is important to look at your home insurance policy to see if these items would in fact be covered in the event of a loss while at school. Some policies exclude goods that are not on your premises unless they are "temporarily removed". The question is - does your insurer consider the items "temporarily removed" if they have been in your classroom for over four or five months?

Another potential area of concern for education employees and their home insurance is coverage for books. Quite often there are specific limits of coverage for books, tools and instruments pertaining to a business profession or occupation. In addition, the coverage is usually only provided while the books are located on your premises. If you've taken your own books to the classroom, will they still be covered by your home policy?

Some insurers extend coverage in the classroom and provide riders that increase the limit of insurance on books, tools etc., for a nominal extra premium.

Bringing school board property home also requires consideration. Does your home insurance policy cover you in the event of loss or accidental damage to this property? The School boards' policy does not generally respond to lost, stolen or damaged books, tools or instruments while off-site and in the care, custody and control of a teacher. …

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