Q: What are supervised and sponsored activities?
A: These are activities or events that Home Schoolers, teachers and volunteers participate in. They can be educational, recreational, spiritual in nature. They are planned throughout the year.

Q: Why do we have to buy both Accident Medical and General Liability coverages?
A: It is a requirement of the General Liability carrier, that Accident Medical coverage be in place.

Q: Who are Registered Participants?
A: Registered Participants are those individuals identified by and on record of the home school group as being a part of the group or event.

Q: What is Excess Accident Medical Coverage?
A: This means that the policy pays after any other insurance is payable. If no other insurance is available (Group, Individual, Auto) this policy becomes primary and pays the claims without deductibles. Also if there is other coverage this plan would pay out of pocket expenses like deductibles and co-insurance.

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

Q: Who pays the claims?
A: Accident Medical claims are paid by QBE Insurance Corporation and the General Liability claims are paid by the General Liability carrier.

Q: How are students and volunteers added or deleted to these plans?
A: The insurance companies have assumed in their pricing that the number of students and volunteers shown on the application will remain constant throughout the policy term.  No additional premium or refunds will be made during the policy term.

Q: If my Home School group registers mid-year, will we get a reduction in the cost?
A: Yes, premium will be pro-rated.  Coverage is issued under a Master Policy.  Coverage will terminate when the Master Policy terminates (January 1st).

Q: Why must all my students be required to pay for Accident Medical insurance when they already have coverage through their parents?
A: The Accident Medical coverage is written on a mandatory basis as a requirement of the General Liability insurance company to keep the individual cost as low as possible (group buying) and to keep the administrative costs to a minimum.

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Q: Will we receive a copy of the Policies.
A: No. Each school will receive a Certificate of Insurance (includes policy numbers, coverage outline and effective dates of coverage), along with a Schedule of Benefits. 

Q: Are athletics covered under this plan?
A: No.  Organized sports are not covered.  Gym class or recreational sports during recess is covered.

Q: Does the General Liability Insurance provide coverage for facilities that we may use or rent?
A: Yes. If the facility requires to be named as an additional insured, coverage can be added upon written request.  The first two requested Additional Insured Certificates are provided at no additional cost.  Thereafter, Additional Insured Certificates will cost $35.00.

Q: Not all members of our support group are HSLDA members. Can they still participate in these plans?
A: Yes, if the support group is an HSLDA discount group, all members are eligible to participate.

Q: How often do I pay the premiums?
A: For Support Groups, premium is paid once a year at initial enrollment.  For Event coverage, premium is paid as the Event occurs.

Q:  Why do we need this type of coverage?
A:  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 for 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 possible litigation.

Q:  Is there a discount for buying all three coverages?
A:  No.  Each insurance coverage is written by a separate insurance company and the rates are already fully discounted.