Directors and Officers insurance (also known as School Legal or Trustee Liability insurance) may be the most critical insurance and protection for your school. Having the “wrong” policy or one that is weak could potentially be devastating to your school. Damages sought under D&O insurance can range anywhere from a nuisance claim to one seeking millions of dollars in compensation, and may include a request for punitive damages if the action in question is considered egregious enough (e.g., willful disregard for protected categories under ADA or where the school knew of a wrong action that was occurring and did nothing to stop it). The cost to protect and defend a school against such claims is no mean exposure either; it can often cost $75,000 in legal fees just to prove nothing wrong occurred in the first place. It is critical, therefore, that your policy not only cover both actual losses and defense costs, but provide additional limits for defense, and thus not erode actual claims limits should the plaintiff prevail.