ADDITIONAL COVERAGES

Upon written request and submission of required data, Additional Coverages for additional premiums are also available.  

Directors & Officers (General Liability)
Excess Liability Limit Increase (General Liability)
Hired and Non-Owned Auto (General Liability)
Medical Evacuation and Repatriation (Accident Medical Only)
Overseas Travel (Accident Medical Only)
Sexual Abuse & Molestation (General Liability)

Directors and Officers
This program has been designed to cover all the Directors and Officers (D&O) of a Home School Organization.  The Directors and Officers of an Organization are considered fiduciaries and are responsible for managing the affairs of their Organizations.  They must act with due diligence in carrying out their responsibilities and in most jurisdictions, can be held personally liable if their negligence results in a loss to the Organization.

Directors and Officers liability insurance provides protection against breach of duty and actual or alleged wrong decisions made by their Directors and Officers of a Home School Organization.  Some examples of claims under D&O:

Just as Directors and Officer liability does not pay for bodily injury or property damage claims, Comprehensive General Liability insurance does not pay for breach of duty or wrongful acts.  This optional coverage provide the additional protection needed by home school support groups.

Coverage for Directors and Officers is optional.  Please be sure to include a yearly financial statement as well as a copy of your By-Laws.

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Excess Liability Limit Increase

Excess Liability Insurance provides additional protection when your activities exceeds insurance limits on the underlying General Liability policy.

You can purchase an additional policy to supplement your current General Liability policy.

If your Group would like to purchase this coverage, please send a written request to the appropriate person on the Customer Service page for your Group.

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Hired and Non-Owned Auto

Hired Auto coverage can either supplement or replace a car rental's coverage. Hired Auto does not cover physical damage to a rented vehicle.  It protects your Group, not the member driving. It supplements the driver's own auto liability coverage. The member would still be personally liable for injuries or property damage to third parties.

Non-Owned Auto coverage protects your Group should it be sued due to an auto accident while a member is on Group business in a personal vehicle. This coverage will not protect the driver. This coverage protects the Group only and supplements the driver's personal auto insurance.

If a member of your Group has a serious auto accident in their own or rented vehicle while on Group business and their personal auto insurance is not enough to cover the claim, your Group can be held responsible. Sometimes these claims are catastrophic.

If your Group would like to purchase this coverage, please send a written request to the appropriate person on the Customer Service page for your Group.

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Medical Evacuation and Repatriation

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Overseas Travel

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Sexual Abuse & Molestation

Sexual Abuse & Molestation insurance provides defense and indemnity protection for Groups against claims arising from allegations of abuse and molestation.  This coverage shields claims of abuse and molestation normally excluded in General Liability policies.

If your Group would like to purchase this coverage, please send a written request to the appropriate person on the Customer Service page for your Group.

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