Coverages

What are the different kinds of coverage?

1. General Liability - provides coverages for damages or theft to the property where the group rents or meets. This could be a church building, a group leader’s home, and more. Depending on the insurance provider and policy language it may include additional coverages.

2. Accidental Medical Coverage – provides excess (secondary) medical coverage if someone is injured and needs medical care while participating in a supervised or sponsored homeschool activity. 

3. Abuse and Molestation Coverage – provides the organization with protection and legal defense if an accusation or actual loss happens.

4. Directors and Officers Insurance (D&O) – provides coverage to the leaders from potential financial losses if they are sued for actions they make on behalf of the group. This is recommended for groups that are required to be legally structured due to state laws. 

Is there a discount for buying all the coverages?

• No, the rates are already fully discounted.

Why do we need coverage?

• In today’s litigious society, every organization is vulnerable to lawsuits.  Accident Medical Insurance provides valuable protection for the students and also serves as a buffer to protect the organization’s General Liability limits from catastrophic losses.  General Liability Insurance is generally required when using rented facilities, so this important coverage allows your organization to comply with those requirements, while also protecting the organization from a possible litigation.

What is Excess Accident Medical Coverage?

• This means that the policy pays after any other available insurance pays.  If no other insurance is available (Group, Individual, Auto) then the policy becomes primary and pays, without deductibles.   In addition, if other coverage is available, this plan would pay out-of-pocket expenses such as deductibles and co-insurance.

Why must all students be required to pay for Accident Medical insurance when they already have coverage through their parents?

• Accident Medical coverage is a requirement of the General Liability insurance company to help mitigate potential liability claims.

Is travel in my personal auto covered under the Accident Medical or General Liability policies?

• There is coverage under the Accident Medical Policy on an excess basis when traveling to or from a sponsored activity.  There is no coverage under the General Liability Policy.

Are athletics covered?

• Organized sports are not covered. Gym classes or recreational sports during recess are covered. If you require coverage for organized sports, please click this link for Home School Sport Solutions.

Does the General Liability Insurance provide coverage for facilities that we may use or rent?

• Yes, if the facility owner requires your policy name them as an additional insured, you may include this coverage during your application process.  Should you change facilities during the year and your new facility owner requires being named as an additional insured, you can update the information under your account in our portal. 

Classical Conversations Communities 2024 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 $375 additional premium subject to underwriting approval

Accident Medical& Dental

• $25,000 Excess Accident Medical & Dental Maximum per Accident
• $0 deductible for homeschool group’s activity participants
• $10,000 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 ($275 minimum premium)