Insurance Coverage Specifics

• Who is eligible to be covered under the TPAA Member PII Policy and legal backup service?

  You must be:

  • a financial member or a financial affiliate member, and maintain that status whilst you are working;
  • a non-working member or affiliate who is registered with TPAQ/TPAA in that capacity;
  • a student registered with TPAQ/TPAA. (Students are covered for the entire period of their studies including whilst doing placements as a student);
  • an Honorary Life Member of TPAQ/TPAA.

• Who does the TPAA member PII Policy and legal backup service cover?

  • Registered teachers

• Who is not covered?

  • Any member or affiliate who is not an employee. If you are working as an independent contractor you are not covered for any work done in that capacity. If you are also an employee for part of your working week, then you will only be covered for that part of your week, but not for the time you are working as a contractor.
  • Any teacher working in the USA or Canada.

• What is covered?

  • Civil liability for loss arising from any negligent act, error or omission.

  • Where you are summoned to give evidence before a coronial inquest and you require legal representation.

• What is not covered?

  • Criminal offences are not covered, nor are claims arising from dishonest, fraudulent or malicious breach of duty.
  • Claims from any un-financial member unless you have registered with us as having ceased practice. In that case, the run-off cover will continue for another 84 months (seven years). Non-working members who have remained registered with us are still covered.
  • Claims not notified to us in the insurance period in which the member became aware of the circumstances.

• Do members or affiliates have to pay any excess on a claim under the policy?

  • No. Since 2016, the NPAQ and the TPAQ have paid all excesses on all claims so no claimant (member or affiliate) has to pay any excess in the event of a claim.

• Public Liability Insurance

  • All eligible members and affiliate members as described above are covered for public liability to $10 million (see Certificate of Currency for further details).