PACE member coverage

PACE offers a comprehensive array of coverages, custom-designed for Oregon educational institutions. This is a summary for specific sub limits, terms and conditions...see coverage documents at the bottom of this page.


  • Not for profit – As a not-for-profit organization, PACE's only objective is to provide the best possible coverage for a reasonable rate. This differs from an insurance company who may be attempting to balance the interests of their insureds and their shareholders.
  • Occurrence-based coverage – Your organization is covered for anything that happens during the term of your coverage, regardless of when the claim is reported – even decades later. This differs from an insurance company with claims-made coverage that allows only for claims reported during a specific period of time.
  • Customized for Oregon's public education organizations – Member contributions are geared to members' budgeting cycles and coverages are designed for the needs of education-specific organizations.
  • Plans written in plain English.


  • Limited coverage for legal expenses associated with complaints made under: 
    • Breach of employment contract - $50,000;
    • Fair dismissal hearing - $50,000;
    • Bureau of Labor & Industries (BOLI) / Equal Employment Opportunity Commission (EEOC) - $50,000;
    • Oregon Teacher Standards & Practices (for complaints filed by others) - $25,000;
    • Oregon Government Standards & Practices Commission (OGEC) ethics - $25,000.
  • Limited coverage for legal expenses associated with safety complaints made under:
    • Occupational Safety & Health Act (OSHA) violation - $5,000;
    • Premises medical coverage - $5,000;
    • Applicators Pollution Liability defense coverage - $50,000;
    • Mold & mildew - $100,000;
    • Lead handling defense - $50,000.
  • Coverage for expenses associated with school violent acts - up to $50,000:
    • Emergency-management consulting expenses;
    • Rental or lease expenses to relocate victims;
    • Counseling expenses;
    • Transportation expenses to move victims away from the premises;
    • Contracted security or police expenses;
    • Hazardous cleanup expenses.
  • Automobile
  • Property
  • Boiler and machinery
  • Terrorism

Download the PACE coverage guide (2.07mb This file is in Adobe Acrobat PDF format.).