Policy	What the policy covers	What the Policy Pays
Coverage A: Broad Insuring Clause Liability	A True Professional Liability Policy: Errors and omissions insurance for claims for damages arising out of a member's duties as a professional 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.	Up to $1,000,000 per Insured per occurrence/$3,000,000 per occurrence, plus the cost of defense, investigation and legal fees.*
Coverage B: 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 Educator's prevailing. In such cases, $500 (for consultation or otherwise) is reimbursed without regard to that outcome.	Up to $5,000 per claim per Insured Coverage for criminal proceedings and/or sexual misconduct limited to $10,000 aggregate per member per policy year.
Coverage C	Provides for payment of premium on bail bonds.	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.