It is important to protect yourself even as a student when providing professional services to the public. Student liability insurance protects them against claims that could arise from errors (real or alleged), negligence and omissions, in the course of their professional duties. In the event a student is faced with a lawsuit because of a claim, he will have to defend himself and it can be costly. Student liability insurance provides protection in situations such as this. Liability insurance for students will provide them with their own attorney, cover court costs and settlements. Not having this insurance can put a student’s personal financial assets at risk. Some of the additional benefits of having liability insurance for students include:

• Payment for lost wages
• Reimbursement of funds if licensing board issues were involved
• Pay costs incurred in the investigation or defense of a covered claim

Student professions that will benefit from this type of coverage include:

• Massage Therapists
• Nurses
• Dental Laboratory Technicians
• Dance Therapists
• Guidance Counselors
• Accountants and CPAs
• X-Ray Technicians

Although educational institutions are legally responsible for their students, there are times when the student could be held personally responsible in a lawsuit for negligent errors. Don’t leave the security of your future to chance while you’re seeking your education. Shop around for the best insurance provider that meets your needs and your line of work. Get a full understanding of what is covered and what is not before you make a final decision. The cost of liability insurance is a small price to pay for the peace of mind you receive.

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