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OPTIONAL COVERAGES
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Upon written request and submission
of required data, Optional Coverages for additional premiums are also
available.
Directors
& Officers (General Liability)
Excess
Liability Limit Increase (General Liability)
Hired and
Non-Owned Auto (General Liability)
Sexual
Abuse & Molestation (General Liability)
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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:
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Employment-related issues such as discrimination, harassment
and wrongful termination; |
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Failure to provide services; |
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Mismanagement of assets. |
Just as Directors and Officers 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 provides the additional protection needed by Home School Support Groups.
Coverage for Directors and Officers is optional.
To quote this coverage, a completed application, most current year-end financial
statement, and a copy of your By-Laws are required.
A completed application is required in
order to obtain a quotation. Please send the completed application,
current year-end financial statement, and copy of your By-Laws to the
appropriate person on the Customer
Service page for your Group.
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Excess
Liability Limit Increase
Excess Liability Insurance provides
additional protection when your activities exceed insurance limits on the
underlying General Liability policy.You can purchase
an additional policy to supplement your
current General Liability policy.
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Limits of Insurance |
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$1,000,000 occurrence /
$1,000,000 aggregate |
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$2,000,000 occurrence /
$2,000,000 aggregate |
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$3,000,000 occurrence /
$3,000,000 aggregate |
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$4,000,000 occurrence /
$4,000,000 aggregate |
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$5,000,000 occurrence /
$5,000,000 aggregate |
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.
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Limits of Insurance |
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Each Occurrence Limit |
$1,000,000 |
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Aggregate Limit |
$1,000,000 |
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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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.
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Limits of Insurance |
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Each Occurrence Limit |
$ 50,000 |
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Aggregate Limit |
$100,000 |
A completed application is required in
order to obtain a quotation. Please send the completed application to the
appropriate person on the Customer
Service page for your Group.
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The Home
School Legal Defense Association (HSLDA) does not assume any of the insurance
risk provided by the carriers. HSLDA is not involved in
the administration of these plans including premium collection or adjudication
of claims.
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