What type of insurance is especially concerned with protecting school employees against claims of negligence?

Professional liability insurance is specifically designed to protect professionals, such as school employees, from claims of negligence that may arise during the course of their work. This type of coverage provides financial protection in cases where a school employee's actions or decisions could be called into question, particularly related to their professional duties. For example, if a coach is sued for an injury that occurs during a practice, professional liability insurance would help cover legal defense costs and any settlements or judgments that result.

In the context of school employees, this insurance addresses potential malpractice claims, ensuring that individuals who are responsible for student safety and well-being have the support needed to manage situations where their decisions might be legally challenged. The focus on negligence claims highlights the importance of maintaining a high standard of care while performing one’s professional responsibilities.

Student insurance, liability insurance, and health insurance do not specifically provide this type of protection for negligence claims against school employees. Each of these alternatives serves different purposes: student insurance typically covers health-related issues for students, liability insurance may cover general liabilities not related to professional conduct, and health insurance is focused on medical expenses rather than legal claims associated with professional negligence.