RF Ougheltree Insurance


Educators are constantly facing lawsuits based on diverse issues that range from dress codes, special education, sexual discrimination or failure to educate to student suspension/expulsion and integration cases.  Employment practices claims are occurring frequently for terminations, hiring and promotions.

Educators Management & Professional Liability insurance provides protection for schools entities and districts, trustees, administrators, directors, faculty and other employees.

Eligible Accounts:

No restrictions.

Hull & Company, Inc. (RFO) is placing this coverage for public, parochial, private and charter schools as well as colleges, universities and vocational training schools.


  • Admitted and Non-Admitted carriers
  • Primary and Excess
  • Limits up to $50 million for larger risks
  • Coverage provided on a duty-to-defend basis
  • A broad definition of Insured includes the entity, elected and appointed officials, board members, trustees, all employees, volunteers and their heirs.
  • Policies can be written to cover defense costs in addition to policy limits and offer full prior acts coverage to prevent coverage gaps.
  • Where permitted by law, coverage is available for punitive and exemplary damages
  • Third Party Sexual Abuse and Molestation is available for selective accounts
  • Coverage is available as a separate policy or in a package with other liability, bond and special risk coverages.  Talk to an Hull & Company, Inc. (RFO) broker about which policy form is best for your client.


New Business - For Profit and Not-for-Profit Organizations

(includes D&O, Employment Practices, Educators Professional, Fiduciary, Crime, Kidnap/Ransom & Extortion)

Other Coverages:

All or most other coverages that comprise the RFO practice are appropriate. Contact a staff broker to discuss a particular account.

All insurance product and/or coverage descriptions are informational only. It is neither an offer to sell nor a solicitation to purchase any particular insurance product. Coverage may not be available in all jurisdictions.