Indemnity Protection Specifics

• Who is eligible to be covered under the TPAA Member PI Protection and defence costs benefits?

  The following are protected individuals:

  • a financial member or a financial affiliate member, and maintain that status whilst you are working in your scope of practice as a school teacher; or
  • an officer, employee, or committee member of the preotected entities while conducting duties for TPAWA.

• Who does the TPAA member PI Protection and defence costs benefit cover?

  • School teachers in their field of practice; or
  • Officers, employees, and committee members of TPAA or TPAWA conducting their duties.

• What is the nature of the protection?

  • Work Journey Cover is insurance for work related commuting, provided by our broker to members.
  • PI & PL Protection is provided by a discretionary mutual deed. It is not technically a contract of insurance.
  • PI Protection is provided subject to the Constitution, Rules and Protection Wording of Red Union Workers’ Mutual Limited which ensures that our members and staff are protected when civil claims or regulatory complaints do arise.
    

• Who is not covered?

  • Any member or affiliate who is not an employee.
  • If you are working as an independent contractor you are not covered for any work done in that capacity.
  • If you are also an employee for part of your working week, then you will only be covered for activities occuring from employment, but not for the time you are working as a contractor.
  • Any teacher working in the USA or Canada.

• What is covered?

  • Civil liability for loss arising from any alleged negligent act, error or omission in scope of duty or practice.
  • Where you are summoned to give evidence before a coronial inquest and require legal representation.
  • Reasonable defence costs for civil proceedings.

• What is not covered?

  • Criminal offences are not covered, nor are claims arising from dishonest, fraudulent or malicious breach of duty.
  • Claims from any un-financial member unless you have registered with us as having ceased practice. In that case, the run-off cover may continue. Non-working members who have remained registered with us are still covered.
  • Claims not notified to us in the insurance period in which the member became aware of the circumstances.
  • Claims or circumstances that were known prior to becoming insured.

• Do members or affiliates have to pay any excess on a claim under the policy?

  • No. TPAA, its state affiliate, or RUSH pay excesses on claims so no claimant (member or officer) has to pay any excess in the event of a claim.

• Public Liability Insurance

  • All eligible members and officers ("Protected Individuals") as described above are covered for public liability to $10 million (see Certificate of Protection for further details).
  • This means that it also covers civil claims that may occur from members of the public (from your activities in work or duties with the associations).