Classical Conversations Communities 2025 Program Highlights

Below is an overview of Home School Insurance Solutions’ policy details for Classical Conversations Communities. The policy includes:

General Liability

• $1,000,000 Limit for Each Occurrence
• $3,000,000 Limit for General Aggregate (the maximum amount of money the policy will cover in the policy term)
• $300,000 Limit to Damage to Premises Rented to You Limit (higher limits are available)
• $10,000 Medical Expense (any one person)
• Abuse & Molestation Liability
  • $100,000 Each occurrence
  • $300,000 Aggregate
  • May be increased to $1,000,000 for additional premium based on individual risk and subject to underwriting approval

Accident Medical & Dental

• $25,000 Excess Accident Medical & Dental Maximum per Accident
• $0 deductible for homeschool group’s activity participants
• $25,000 Accidental Death Benefit & Dismemberment Benefit

Additional Coverages

• Broadened definition of who is an insured to include non-employee tutors & directors
• Multiple directors of the same Community may apply on the same application
• Provides coverage for classes (including PE), field trips, testing days, special events, etc.
• Premium is based upon estimated enrollment at the time of application and subject to a minimum premium of $400
• First two additional insureds with Certificates of Insurance (“proof of insurance”) are issued at no additional premium charge. Each additional request is $35
• Policy is in effect for a full year from the effective date of your policy
• 30 day grace period for late renewals

Optional protection available (subject to availability in your state), including:

• On-site nursery care operations
• Directors and Officer’s Liability Insurance
• Armed Security Liability Insurance
• Waiver of Subrogation Endorsement
• Workers’ Compensation Insurance
• Higher Excess Liability Limits upon underwriting approval
• Practicum Day Camp Insurance