Insurance Coverage Designed for Schools and Youth Groups

We all know that accidents can happen anywhere, but for schools and youth groups, the possibility is especially worrisome. That is why the ability to offer proper insurance coverage is so essential for these institutions.

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Student, camp and youth group accident insurance is presented through specialty insurance companies or those carriers with autonomous departments that deal with a big amount of plans offered at lower rates.

This type of insurance is generally organized by schools, colleges and universities for each student on a non-mandatory basis through group coverage.

Insurance is bound as multi-risk coverage that incorporates:

• Medical reimbursement
• Accidental loss of life
• Accidental dismemberment
• Loss of eyesight

Insurance options typically include a limited policy or a twenty-four hour comprehensive policy with coverage for:

• School related activity during the school year
  
  
• During class
  
  
• During lunch and recess breaks
  
  
• After-hours school activities
  
  
• Home to school and school to home commute
  
  
• School-sponsored and supervised sports programs
  
  

Coverage for school sponsored sports programs may have certain limitations that can include those activities that are identified as hazardous athletics, like football, soccer, hockey and/or lacrosse. As such, school and youth group sports teams can buy specialized sports insurance plans that distinguish them from standard school sports events regardless of the fact that the school or college may still be sponsoring them.

For more on student accident coverage, speak to an experienced independent insurance agent.

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 Summary: Accident Insurance for the school and youth group explained here.