Family and Consumer Sciences Teachers Association

Educators Professional Liability Insurance

Coverage A - 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 - 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 - 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.

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.

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 case prevailing. In such cases, $500 (for consultation or otherwise) is reimbursed without regard to that outcome.

Coverage C Provides for payment of premium on bail bonds.

Corporal Punishment

The policy wording with respect to corporal punishment is vital to the professional educator. Relevant sections of our policy make it clear that coverage applies under A ($1,000,000 limit plus defense costs) regardless of whether the act be deemed civil or criminal. Furthermore, the customary exclusion of damages resulting from intentional acts has been carefully worded to clarify that corporal punishment is covered even though intentional.

Outside Activities

As long as the Educator is within the scope of his/her professional duties, the policy covers liability for injury to students and others while the Educator is conducting visits to industrial and commercial establishments, entertainment centers, outings, picnics and other similar school functions, subject to specific automobile, watercraft, and aircraft exclusions.

Product Liability

There is no product liability exclusion. While the serving of food is usually a responsibility of the school, this policy would also provide liability insurance for the furnishing of food in connection with trips, picnics, parties, and similar events.

Coverage B Reimbursement of Attorney Fees

Such reimbursement as is afforded the member for actions involving tenure, dismissal, revocation of certification and other professional rights and duties is guaranteed under the policy and is not contingent on the approval of a board or review committee, as might be the case where the only available assistance is from a defense fund.

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Job Referral Service

Members of FCSTAT

If you would like to have your name placed on the job referral list,
please e-mail the following information to fcstat@fcstat.org:

Name Address Phone Number Geographical Area Desired

If you are not a member of FCSTAT

There is a $15 service charge to be placed on the job referral list.
Please call FCSTAT at 1-888-327-8281 with a
Visa or MasterCard credit card number or send a check to:
5524 Bee Caves Road Suite H1
Austin, Texas 78746

Positions Available
If you would like to list an opening with FCSTAT,
please include the following information:

Position Available Courses To Be Taught and Other Duties ISD Address Phone Number Contact Person Geographical Location

E-mail to: fcstat@fcstat.org

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FCSTAT Visa and Visa Gold Credit Cards

Visa Classic Card Features

• No Annual Fee...a savings of $20 to $50 every year
• One of the lowest annual percentage rates in America
• No charges for late payments, credit line overage, return check fees or transaction fees
• Cash advance privileges at nearly 120,000 ATM locations and over 300,000 banking locations world wide.

Visa Gold Card Features

• All the advantages of a Visa Classic Card Plus...
• 25-day grace or interest-free period and a minimum credit line of $5,000

Note: Minimum yearly income of $40,000 for single applicants and $55,000 for joint applicants and excellent credit history required for Visa Gold Card.

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VATAT Credit Union Offers Membership to
FCSTAT Members and Their Families

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