A risk management teacher instructs his students on certain types of risk management. He teaches this course for 10 years, 2005 - 2015. In year 5 (2010) one of the students in the first year now realizes that the one part of the instruction was wrong and this is why she caused a loss to her company. In year 6 another student has a similar realization. In year 8 (2013) they both bring claims. The teacher had an educator’s errors and omissions insurance policy (yes, this does exist), for years 1 – 5 with Insurer A and bought an extended reporting period endorsement, then bought a policy with Insurer B for years 6 through 10, with a retro date of 01/01/2008.. How will these policies respond to the former students’ claims, and any future students’ claims?