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Professional Liability Insurance for Librarians
Supervising General Agent
Myron F. Steves & Company
The John A. Barclay Agency, Inc.
- The policy term is from January 1st to December 31st.
- Individual coverage is from date of purchase through December 31st of that same calendar year.
- The cost for TLA members is currently $36.00.
The TLA Policy Covers:
Broad Insuring Clause Liability
A True Professional Liability Policy:
- Errors and omissions insurance claims for damages arising out of a member’s duties as a librarian or library educator including all defense costs.
- The occurrence giving rise to such claims is simply defined as an event which results in damages to some other person.
Attorney Fees Reimbursement Clause
This coverage provides for reimbursement of attorney fees in a broad range of situations not insured under coverage A, such as:
- Criminal charges, allegations of sexual misconduct, actions involving dismissal, revocation of certification, and other professional rights and duties. As respects some of these situations, payment of attorney fees is contingent on the member’s case prevailing. In such cases, $1,000 (for consultation or otherwise) is reimbursed without regard to final outcome.
Provides for payment of premium on bail bonds.
Professional Liability Insurance Program Cost:
Insurance Premium per Member: $27.50
State Taxes and Fees (4.91%): $1.35
Association's Administrative Fees: $7.15
This brief description of the policy is to provide information only to members and in no way alters or modifies the policy on file with the Association.
TEXAS LIBRARY ASSOCIATION’S POLICY PAYS
Up to $1,000,000 per member per occurrence; $3,000,000 per occurrence, plus the cost of defense, investigation and legal fees.*
Up to $5,000 per member per claim. Coverage for criminal proceedings and/or sexual misconduct limited to $10,000 aggregate per member per policy year.
Up to $1,000 premium on bail bonds.
*NOTE: The duty of the insurer to defend extends even to groundless, false and frivolous suits or accusations.
As long as the librarian or library educator is within the scope of his/her professional duties, the policy covers liability for injury to students and others while visits are conducted to industrial and commercial establishments, entertainment centers, outings, picnics and other similar functions, subject to specific automobile, watercraft, and aircraft exclusions. This policy broadly covers library activities such as peer review, reference services, and personnel actions.
There is no product liability exclusion. This policy would provide liability insurance for the furnishings of food in connection with trips, picnics, parties and similar events.
The policy wording with respect to corporal punishment is vital to the librarian and library educator. Relevant sections of our policy make it clear that coverage applies under A ($1,000,000 limit plus defense costs) for civil liability even if a criminal act is alleged. The customary exclusion of damages resulting from the intentional acts has been carefully worded to clarify that the corporal punishment is covered even though intentional.
Coverage B - Reimbursement of Attorney Fees
Such reimbursement as is afforded the member for actions involving tenure, dismissal, revocation of certification and other professional rights and duties is guaranteed under the policy and is not contingent on the approval of a board or review committee, as might be the case where the only available assistance is from a defense fund.
- “Insured” whenever used means a person who is a 1. Personal Member, 2. Library School Student, or 8. Life member, of the Texas Library Association as set out in their bylaws in Article Ill - Membership, Section 2. B. Definitions and who is employed by a library system and who has elected to be covered under this policy. Each of the above listed Members who have so elected is a participating member. If the participating membership is a renewal, the definition of Insured includes such members covered under the expired policy who reapply within thirty (30) days of the inception of this policy. The definition of Insured does not include persons defined in the Texas Library Association bylaws in Article Ill - Membership, Section 2. B. Definitions as: Trustee, Lay, Supporting, Retired, Honorary, Commercial, Institutional, Affiliate and Out-of-State Members.
- The definition of “activities of the Insured in his/her professional capacity” wherever used means activities of the Insured in his/her duties as a Librarian, Library Administrator, Library Professional, Library Staff Member, Library Educator, or Library Faculty Member in a public, academic, school or special library, subject to the exclusions of this policy.
Please call the TLA Office at 800/580-2852 or 512/328-1518, or email firstname.lastname@example.org for more information.
Created on Jun 17, 2010 | Last updated August 08, 2016