MyPayMySay on growing legal threats to teachers: 'Educators could face significant legal expenses and personal stress'

MyPayMySay, an advocacy group, has highlighted the increasing vulnerability of educators to lawsuits arising from classroom incidents, urging them to consider obtaining personal liability insurance. This statement was made on its website on March 22.

"These protections often extend beyond the coverage provided by standard school district policies," said MyPayMySay. "There are still accessible and affordable professional liability insurance options available. It's crucial to thoroughly review policy terms, understand coverage exclusions, and choose a reputable provider with experience in serving educators."

According to MyPayMySay, educators are increasingly encouraged to carry personal liability insurance as school district policies often prioritize institutional protection over individual staff. This coverage is intended to safeguard teachers from legal and financial risks stemming from their professional duties, such as student injuries, false misconduct claims, or property damage. It also helps cover legal defense costs in cases like disputes over grading or interventions in student altercations.

Educators who choose not to join a union can still access affordable and tailored professional liability insurance through independent providers and professional organizations. These policies often offer competitive rates and flexible coverage options that suit individual teaching environments and risk levels. By carefully evaluating their needs, reviewing policy terms, and selecting reputable providers, teachers can secure effective protection. This approach allows educators to focus on their work with greater peace of mind, knowing they are covered in the event of legal challenges, according to MyPayMySay.

The Oklahoma Council of Public Affairs (OCPA) reports that Senate Bill 1592, introduced by Oklahoma Senator Greg Treat in 2022, proposed a state-funded $1 million liability insurance policy for every public school teacher and employee in Oklahoma. The bill aimed to protect educators from personal financial risk due to lawsuits, especially in cases like breaking up student fights.

According to its website, MyPayMySay empowers educators with resources, advocacy, and support to navigate today’s classroom challenges. Focused on teacher autonomy and student success, the organization promotes policies and solutions that foster informed decision-making and high-quality education.