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What are supervised and sponsored activities? |
| These are the activities or
events that Home School students, teachers and volunteers participate
in. They can be education, recreational, and/or spiritual in
nature. They are planned throughout the year. |
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Why do we have to buy both Accident Medical and
General Liability coverages? |
| It is a requirement of the
General Liability Carrier that Accident Medical coverage be in place. |
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Who are Registered Participants? |
| Registered Participants are
those individuals indentified by and on record of the Home School Group
as being a part of the group or event. |
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What is Excess Accident Medical Coverage? |
| This means that the Policy
pays after any other insurance is payable. If no other insurance
is available (Group, Individual, Auto) then the 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. |
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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. |
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Who pays the claims? |
| Accident Medical claims are
paid by the Accident Medical carrier and the General Liability claims
are paid by the General Liability carrier. |
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How are students and volunteers added
to or deleted from
these plans? |
| 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, unless the enrollment increases or decreases by more than
10%. Please notify your Customer Service contact if enrollment
changes by more than 10% as either a refund may be due or an additional
premium charge may be due. |
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Why must all my students be required to pay for
Accident Medical insurance when they already have coverage through their
parents? |
| 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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Will we receive a copy of the
Policies? |
| An Accident Medical Policy
will be sent to each Group enrolled. A Certificate of Insurance
(including policy number, coverage outline and effective dates of
coverage) will be sent in lieu of a General Liability Policy. You
may request a copy of the Policy by contacting your Customer Service
representative. |
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Are athletics covered under this plan? |
| No. Organized sports
are not covered. Gym class or recreational sports during recess
are covered. |
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Does the General Liability Insurance provide coverage
for facilities that we may use or rent? |
| Yes. If the facility
requires to be named as an Additional Insured, coverage can be added
upon written request. The first two (2) requested
Additional Insured Certificates are provided at
no additional cost. Thereafter, Additional Insured Certificates
will cost $35.00 each. |
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Not all members of our support group are
HSLDA
members. Can they still participate in these plans? |
| Yes, if the Support Group is
an HSLDA Discount Group, all members are eligible to participate. |
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How often do I pay the premiums? |
| For Support Groups, premium
is paid once a year at initial enrollment. For Event coverage, the
Minimum Premium is paid at enrollment and additional payments are made
as each event occurs. |
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Why do we need this type of 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 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. |
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Is there a
discount for buying all the coverages? |
| No. The rates are already
fully discounted. |
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Are the Waivers on this website required to be used, or can we use our
own Waivers that we already have? |
| You may use your own
Waivers. |
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Do we need
to submit all signed Waivers back to you? |
| All signed
Waivers should be kept on file by your Organization. They do not
need to be submitted to us. Copies of the completed Waivers my be
requested by the General Liability Carrier in the event of a claim. |
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What is the difference between a HSLDA Discount Group vs. a Non-Discount
Group? |
| A Discount Group has at
least one group member that is a HSLDA member. The Non-Discount
Group does not have any HSLDA members. |
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If I just want to obtain a quote at this time, how do I do this? |
| If you just need to know
what the pricing would be at this time, you can calculate the estimated
premium yourself by taking the estimated number of participants that you
have in your group and multiplying that by the rates on the appropriate
application(s). These Insurance programs are based on participant
numbers. |
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Do we need
to submit a roster of our members names? |
| We do not need to know the
actual names of the participants in your group. |
