What the Policy Pays

 

New Mexico Association of Classroom Teachers
EDUCATORS PROFESSIONAL LIABILITY INSURANCE

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EPLI HOME
SPECIAL FEATURES
QUESTIONS AND ANSWERS

COVERAGE PAYMENTS :

Coverage A:

Up to $2,000,000 per Insured, per occurrence / $3,000,000 per occurrence, plus the cost of defense, investigation and legal fees. *

Coverage B:

Up to $5,000 per claim, per Insured
Coverage for criminal proceedings and/or sexual misconduct limited to $10,000 aggregate per Insured, per policy year.

Coverage C:
Up to $1,000 premium on bail bonds.

* Note: The duty of the insurer to defend extends even to groundless, false and frivolous suits or accusations.

WHAT THE POLICY COVERS
Coverage A
Liability
A True Professional Liability Policy with a broad insuring clause:
• Errors and omissions insurance for claims for damages arising out of a member’s duties as a professional educator, including all defense costs.
• The occurrence giving rise to such claims is simply defined as an event which results in damages to some other person.

Coverage B
Reimbursement of Attorney Fees
This coverage provides for reimbursement of attorney fees in a broad range of situations not insured under Coverage A, such as:
• Criminal charges, allegations of sexual misconduct, actions involving dismissal, revocation of certification, and other professional rights and duties. As respects some of these situations, payment of attorney fees is contingent on the educator’s case prevailing. In such cases, $500 (for consultation or otherwise) is reimbursed without regard to that outcome.

Coverage C
Provides for payment of premium on bail bonds.
Special Coverage: Reimbursement of Attorney Fees – Identity Theft
Provides up to $1,000 per Insured, per policy period for reimbursement of attorney fees for identity theft. 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.