Are assets in a separate account protected from the insurance company's creditors?

Direct answer

It depends on the specific language in your district’s policy and state laws regarding sovereign immunity, as many school policies only cover school-related activities performed within the scope of your employment.

Public school district collective bargaining agreements and state-specific education liability statutes. For additional information about professional liability protection, see the National Education Association‘s guide on educator rights and insurance.


What this means for you

It depends on the specific language in your district’s policy and state laws regarding sovereign immunity, as many school policies only cover school-related activities performed within the scope of your employment.

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