Here's what I was told by insurance agents and my lawyer about how it works:   You don't need insurance if you are an employee of a school.  Your employer is indemnifying you.  They hired you after determining you were qualified and they are supposed to train you (or pay for training) if you need additional qualifications, and they determine what you do and when.  

School officials cannot avoid direct responsible for errors by saying "I was unaware that he/she was doing this or these practices were ongoing."  That's an admission of negligence.  Who ever is above you in the food chain has supervisory authority over your actions.  They cannot take the job and the money, and then not do the work.  And that work involves knowing what is going on and being in control of it.

This is why I include in my reports that top administrators damn need to come to training.  They have to have some idea what the laws are -- the laws that they are responsible for seeing that their employees are following!

None of this applies to any independent contractor who comes to the school, like me, for instance.

I have a $2 Million professional liability policy for ACTS which applies to any errors or omissions that result in damages I make working for ACTS (32 years, never had to use it).  But when I work for IATSE Local829 as their employee, the union's is responsible for my errors or omissions.  

But we are all going to have to defend ourselves if we are criminally charged.  Don't ever do anything that you know is not legal, however wee it may seem at the time.  Because once it can be proven that you knew that it was not legal, you have no ground to stand on--with the exception of being coerced or directed to do the illegal act by someone in authority over you.

That's why the California AG filed criminal charges against the UCLA Board of Regents and Harrington.  You can't get insurance for deliberate wrong doing or criminal conduct.

There are some additional nuances for Corporate and School Board Insurance, but basically, this is it as I understand it.

Monona Rossol, M.S., M.F.A., Industrial Hygienist

President:  Arts, Crafts & Theater Safety, Inc.

Safety Consultant:  SAG-AFTRA

Safety Officer: Local USA829, IATSE

181 Thompson St., #23

New York, NY 10012     212-777-0062

actsnyc**At_Symbol_Here**cs.com   www.artscraftstheatersafety.org

 

-----Original Message-----
From: DCHAS Membership Chair <membership**At_Symbol_Here**DCHAS.ORG>
To: DCHAS-L <DCHAS-L**At_Symbol_Here**PRINCETON.EDU>
Sent: Fri, Feb 9, 2018 7:56 am
Subject: [DCHAS-L] Webinar: Chemical Educators and Researchers: Understanding your legal liability and how to protect yourself

https://hayscompaniesevents.webex.com/mw3200/mywebex/default.do?nomenu=true&siteurl=hayscompaniesevents&service=6&rnd=0.8001972363535235&main_url=https://hayscompaniesevents.webex.com/ec3200/eventcenter/event/eventAction.do%3FtheAction%3Ddetail%26%26%26EMK%3D4832534b00000004847f5ee7e81333cff19db18884d9dbefe88422ffa2738750b793289f456c9e97%26siteurl%3Dhayscompaniesevents%26confViewID%3D84234142209834506%26encryptTicket%3DSDJTSwAAAAQ1dY1Ug1jJQ4ZUrhFTwZ9-yfYSjs4I5DvdNaMeGcmHbA2%26

Chemical Educators and Researchers: Understanding your legal liability and how to protect yourself

Tuesday, February 20, 2018 | 2:00 PM ET

If you were approached right now and asked to explain your legal liability coverage, would you be able to? It's a topic that can be confusing at best and somewhat complicated. As a Chemical Educator or Researcher, you may face unique gaps in coverage that are often not covered through your employer's policy.

During this webinar we will discuss:
=B7 ACS involvement with chemical safety
=B7 Understanding your risk

Examples of claims/lawsuits
=B7 How to protect yourself
=B7 And more

Register Today at the URL above

Speakers:

Dr. W. H. (Jack) Breazeale - Consultant to the ACS Committee on Chemical Safety and a member of the Laboratory Safety Institute's (LSI) Board of Directors
Richard A. Kissel, Esq.- KPHW
Marta U. Gmurczyk, Ph.D. - Safety Programs Manager, Scientific Advancement Division, American Chemical Society
Sponsored by Hays Companies and the ACS Member Insurance Program.

Sincerely,

ACS Member Insurance Program
www.acs.org/insurance

Hays Companies is the insurance administrator for the liability plans offered to ACS members.

---
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--- For more information about the DCHAS-L e-mail list, contact the Divisional secretary at secretary**At_Symbol_Here**dchas.org Follow us on Twitter **At_Symbol_Here**acsdchas