New Mexico Association of Classroom Teachers
EDUCATORS PROFESSIONAL LIABILITY INSURANCE
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The policy wording with respect to corporal punishment is vital to the professional educator. Relevant sections of our policy make it clear that coverage applies under A ($2,000,000 limit plus defense costs) regardless of whether the act be deemed civil or criminal. Furthermore, the customary exclusion of damages resulting from intentional acts has been carefully worded to clarify that corporal punishment is covered even though intentional.
As long as the educator is within the scope of his/her professional duties, the policy covers liability for injury to students and others while the educator is conducting visits to industrial and commercial establishments, entertainment centers, outings, picnics and other similar school functions, subject to specific automobile, watercraft, and aircraft exclusions.
There is no product liability exclusion. While the serving of food is usually a responsibility of the school, this policy would also provide liability insurance for the furnishing of food in connection with trips, picnics, parties, and similar events.
Coverage B – Reimbursement of Attorney Fees
Such reimbursement as is afforded the member for actions involving tenure, dismissal, revocation of certification and other professional rights and duties is guaranteed under the policy and is not contingent on the approval of a board or review committee, as might be the case where the only available assistance is from a defense fund.
This brief description of the policy is to provide information only to members and in no way alters or modifies the policy on file with the Association.