Teacher Education Candidates* must demonstrate that they have Tort liability insurance at two points in the Teacher Education Progression (TEP) - Admission to the TEP and prior to student teaching.
ALL licensure Candidates are responsible for maintaining tort liability insurance throughout their program. Candidates who do not maintain insurance may be liable for any incident that leads to a law suit that occurred while they are in a school building.
Candidates who choose not maintain tort liability insurance except at TEP checkpoints accept personal responsibility and assume all personal risk. If there is no proof of coverage on file with the Licensure Officer, it is taken to mean that the candidate has either chosen to maintain coverage without notifying the office, or has chosen to let coverage lapse.
Proof of tort liability insurance for the TEP interview checkpoints can be obtained through membership in either of two Teachers' organizations, the Student Tennessee Education Association or the Professional Educators of Tennessee. Membership in each of the organizations offers different benefits; candidates should read carefully the benefits of membership in each group and make the choice most appropriate to them. Candidates may also have tort liability coverage through personal insurance policies; it is the candidate's responsibility to ensure that their insurance plan provides adequate coverage, and to submit evidence of said coverage to the Licensure Officer with the University.
(* A teacher education candidate is anyone seeking initial teacher licensure through a Cumberland University Program, graduate or undergraduate.)