Chemical Educators Liability Insurance

As an educator, you shouldn’t assume your institution or current legal liability policy will defend you if a lawsuit arises from your academic duties. The insurance marketplace offers minimal protection for chemical educators by excluding contingent bodily injury and pollution liability from their standard legal liability policies for educators. The Chemical Educators Legal Liability plan was developed to address the unique needs of chemical educators.

This plan specifically covers contingent bodily injury and pollution liability to help educators protect themselves against risks within classrooms, teaching and research labs, and community outreach activities. Additionally, it also provides broad coverage to address the exposures of high school, undergrad, and instructional staff, and faculty employed by private, public, charter, and higher educational institutions.

Policy Highlights

  • Serves as a primary insurance for individuals over and above coverage provided by your educational institution
  • A liability limit of $1,000,000 for professional liability lawsuits
  • Sublimit at $500,000 for pollution liability with option to increase limit to $1,000,000
  • Sublimit at $500,000 for contingent liability with option to increase limit to $1,000,000
  • Sublimit of $25,000 for sexual harassment
  • Sublimit of $250,000 for intellectual property
  • Sublimit of $10,000 for remote laboratory activities
  • Coverage for claims brought against an insured and reported to the insurer during the policy term

What's Covered

  • Injuries to students and other persons for whom the insured is responsible, such as research/teaching assistants and employees of the institution who work under your supervision (contingent liability)
  • Property damage
  • Accusations relating to:
    • Pollution liability ("pollutants" means any solid, liquid, gaseous, and thermal irritant or contaminant including smoke, vapor, soot, fumes, acids, alkalis, chemicals, and waste. Waste includes materials to be recycled, reconditioned, or reclaimed. Note: pollutants do not include heat, smoke, vapor, soot, or fumes from a hostile fire or explosion.)
    • Defamation and personal injury
    • Sexual misconduct (provided you are found not guilty or the charges are dismissed)
    • Wrongful employment practices
    • Wrongful intellectual property practices


ACS Plan Administrator:
Pearl Insurance
1200 East Glen Avenue
Peoria Heights, IL 61616-5348

Phone: 800-438-6174
Hours: 8 a.m. – 5 p.m. (Central)