School liability insurance for faculty and staff refers to the economic compensation liability that the insured (school, kindergarten or other educational institution) should bear according to law because the faculty and staff (including teachers, interns, logistics staff and temporary workers) suffer from accidental injuries or occupational diseases, and the insured insurance company is responsible for compensation.

During the insurance contract, the insurance company shall bear the insurance liability for the following items:

(1) The staff of the insured suffers from work-related accidents or occupational diseases within 24 hours of each working day (including commuting);

(2) The faculty and staff of the insured suffered accidental injuries due to work during their business trip in People's Republic of China (PRC);

(3) Accidents suffered by the staff of the insured in activities organized by the insured;

(4) Other faculty accidents that should be borne by the insured according to law.

Therefore, if the teacher goes out on Sunday for reasons other than business or work and encounters a traffic accident, the insurance company will not bear the responsibility and will not compensate.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.