• Toll free telephone legal advice for the insured and the insured’s spouse or dependent children during regular business hours regarding matters of a personal nature;
• Toll free telephone legal advice during normal business hours regarding matters arising from the insured’s employment as a principal or vice principal;
• Payment of reasonable legal fees and expenses for matters arising from the insured’s conduct or duties acting as a principal or vice principal in respect of:
• any investigation, inquiry and/or hearing concerning a matter of the insured’s fitness to practice;
• any investigation, inquiry and/or hearing concerning the insured’s discipline and/or misconduct and/or complaint;
• pursuit of legal proceedings following a dispute with the insured’s employer which arises out of or relates to the insured’s contract of employment;
• defence of the insured against criminal or statutory charges;
• defence of the insured against quasi-criminal proceedings.
• defence of the insured against any complaint of discrimination undertaken by the Human Rights Commission.

The insured can select a lawyer from a panel of law firms specializing in the education field and there is coverage for the legal fees and disbursements incurred up to a maximum hourly rate of $275.00.

• Payment of reasonable out-of-pocket disbursements, income, salary or wages when the insured is absent from work due to attending any court, tribunal or arbitration proceeding as a result of any of the above, as long as such reimbursement is not recoverable by the insured under a policy of insurance issued to the insured or the insured’s employer or as long as the money is not recoverable from any other source. Amounts paid will not exceed $500 per day or $5000 in any one school year.

There is no indemnity for the following:

• Legal fees and expenses incurred or paid before the Insurer has given consent
• Awards and/or demands of compensation, repayment, damages, liability, surcharge levies, fines or penalties of any nature.
• Any claim arising from a prosecution where your actions amounted to an intentional and reckless disregard for human life
• Any matters arising out of a criminal prosecution alleging dishonesty