April, 2013

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2Reasons To Purchase Educators Insurance

Directors and Officers For Educators In today’s litigious society, no one is exempt from a lawsuit—even those in the education industry. There are many benefits to carrying insurance specifically designed to cover the exposures faced by teachers, specialists, directors and officers for education. Whether you are a private or a public educational institution, here are two reasons to purchase educators insurance.

 Attract And Retain Better Employees

The shortage of qualified educators has made the job market more competitive than ever.

Insurance that covers directors and officers for education will make your facility a more desirable place to work. This will give you an advantage when it comes to recruiting and retaining employees. They can take comfort knowing that you are protecting their best interests. If they are named in a frivolous lawsuit by a parent, student or even another teacher they know that they will be protected.Additionally, educators insurance often includes auto insurance for teachers who are required to use their personal car for professional purposes.

Prevent A Financial Crisis

 Many educational institutions are experiencing budget cuts or funding shortfalls. As a result, they are choosing not to carry insurance for directors and officers for education as a short term cost cutting solution. This, however, can have devastating long term financial ramifications. In the unfortunate event that a lawsuit is not frivolous but actually warranted, educators insurance can prevent financial devastation from a lawsuit. Besides general liability coverage, coverage is typically provided for abuse and/or molestation that may occur during school hours or during extracurricular activities. An umbrella cause is typically included as well as will pay for legal fees, court costs and expensive judgments that may be incurred as a result of such lawsuits.

Understanding Aggressive Behavior in Residents

Working at a residence for the elderly can be a rewarding experience; it can also be challenging and even dangerous when working with patients whose behavior is affected by advancing Alzheimer’s disease, psychiatric problems or medications that alter moods. For the safety of staff as well as patients, it is important to train your staff to understand the basic strategies to employ when engaging with a patient who is exhibiting challenging behavior. Such training will not only facilitate better communication between workers and residents, it can also help reduce senior living facilities insurance claims that may result from altercations between patients and staff.

First, make sure staff is educated about the common illnesses or disorders that the elderly must contend with. Understanding the issues will help workers identify (and avoid) the triggers that might bring on episodes of aggression in patients. The most frequently reported types of resident to employee violence include hitting, acting out, biting, grabbing or scratching, pushing, or breaking and even throwing objects. Next, employees must be educated about how to defuse situations in which residents are exhibiting aggressive behavior. A process should be established that the staff member can step through, including:

  • Exhibiting a calm, caring attitude
  • Maintaining a polite demeanor
  • Actively listening to convey to the resident that he or she is being heard
  • Speaking slowly in a clear voice that the resident can hear
  • Acknowledging the resident’s feelings with words that show the worker understands the issue (for example, saying “I understand how this can be frustrating”)
  • Asking the resident questions to help reestablish control of the conversation
  • Knowing when to call for assistance before a situation gets truly out of hand

Working in an environment where the elderly residents may become aggressive requires a higher level of attentiveness so that workers aren’t caught unawares should a resident suddenly exhibit aggressive behavior. Talk to a professional insurance agent about these and other risks that may trigger a senior living facilities insurance claim.

An Umbrella Can Shield You from Financial Ruin

Even in a state known for its palm trees and sunshine, umbrella insurance in Florida is something that many people find they can’t go without, and for good reason: in today’s society, where lawsuits are often viewed as an opportunity for a financial payday rather than a fair means of recompense to right a wrong, it’s not unusual for a costly lawsuit and an even more expensive judgment to wipe someone out financially. For example, you could have, say, an excellent auto or homeowners policy offering a good amount of coverage. But consider the grave consequences if someone were to be on your property and become injured to the point where his quality of life is forever impacted…or you were out for a leisurely drive and get in an auto accident that kills the driver of the other car and paralyzes two passengers. In catastrophic situations like these, the amount of insurance on your primary policies could well fall short of covering the substantial claims.

Fortunately, an umbrella policy could save the day here. The policy is designed to afford you protection for bodily injury and property damage, beginning at the point where the primary coverage amounts of your standard insurance policies have been exhausted–offering an additional amount of coverage and additional types of coverage for risks not insured under the standard policy. As such, the policy offers protection for a wide variety of risks, and can literally save your financial life—because without an umbrella to cover you in the event an accident results in a lawsuit for an amount beyond the limits of your standard auto or homeowners policies, you would have to pay for those financial damages out of your own pocket.

Umbrella insurance in Florida is best purchased with the advice of a professional insurance agent, who will take your entire financial picture into account when advising you about how much coverage you really need. He or she will examine your tolerance for risk, the exposures you face, and the assets you have to protect in order to determine what’s right for you. Contact an agent today.