The following are a few examples of claims that educators face. Civil claims against teachers include student injuries, charges of educational malpractice, corporal punishment, and civil rights claims. Criminal claims include things like child abuse, sexual harassment, embezzlement, and inappropriate sexual contact with students. You get the idea. Without some outside assistance, educators could be held responsible for the expense of defending themselves against the child that has an accident in wood shop or during a sporting event. This could ultimately cost the educator tens of thousands of dollars in legal fees and even more in damages to be paid to the child. The same goes for any criminal allegations levied against the educator. Keep in mind that these expenses will often be incurred when the educator has been placed on administrative leave pending an investigation. Bottom line, the prudent educator will have some form of protection against these eventualities.