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Office of Program Policy Analysis and Government Accountability

Educators Professional Liability Insurance Program Provides Limited Benefits, Report No. 06-08, January 2006
Full report in PDF format

  • The Educators Professional Liability Insurance program was created to protect public school educators and administrators from liability for monetary damages and the cost of defense of their actions.  The program may provide a sense of security to Florida’s educators and does provide last resort protection when no other valid and collectible insurance exists.  However, the program has paid few claims compared to the total claims filed against the policy and the premiums paid.  Since Fiscal Year 2001-02, the program has paid three claims totaling $50,375, while the state paid $4,382,538 in premiums during the four fiscal years covering these claims.
  • Several factors limit the number and amount of claims paid by program.  These include the relatively few professional liability claims that are filed; the state’s sovereign immunity law, which limits individual employee liability; the school district insurance programs that pay most of the claims filed; and the restrictive state policy provisions that limit payment of potential claims.  While multiple entities may share the cost to settle claims, we found no evidence that the state policy has made duplicate payment for claims paid by school boards.

Which Government Program Summaries contain related information?

Education System
Office of Insurance Regulation (DFS)
Support Program (DMS)

What other OPPAGA-related materials are available?

  • Report No. 07-32 Educators Professional Liability Insurance Program Abolished by the Legislature, published in  June 2007.

Copies of this report in print or alternate accessible format may be obtained by telephone (850/488-0021), by FAX (850/487-9213), in person, or by mail (OPPAGA Report Production, Claude Pepper Building, Room 312, 111 W. Madison St., Tallahassee, FL 32399-1475).
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