Protecting students and the staff that supports them is an important responsibility for all schools. The value of accident insurance can never be underestimated. The accident is the leading cause of death for people aged 5 to 44 years and the fifth leading cause of death overall.
CSIA can help deliver tailored student accident insurance coverage solutions for private, public, and faith-based daycare programs, primary and secondary schools, colleges, and universities. Coverage can protect school-related activities, as well as sports or other extracurricular activities.
Student accident insurance pays a benefit for a critical or fatal injury caused by a covered accident. And while not required in many states, this coverage can be vital for protecting your school from litigation.
Many insurance companies offer accident plans that cover school activities, including sports, school-sponsored trips, or events. Accident programs for schools include:
- Pre-K–12 non-sport programs – Insurance protection for students, faculty, and staff for non–sport-related covered injuries that occur while participating in or attending a classroom or other covered school activities.
- Pre-K–12 sports programs – Insurance protection for students, faculty, staff, volunteers, managers, and coaches who suffer a covered injury while participating in interscholastic sports programs. Coverage can be expanded to include tackle football, ice hockey, lacrosse, rodeo, rugby, skiing, and snowboarding.
- Intercollegiate sports programs – Insurance protection can include expanded protection for athletic directors, coaches, trainers, cheerleaders, and other key participants, as well as prospective students and their chaperones.
Additional accident benefits can include:
- Bereavement and trauma counseling benefit
- Crisis death benefit for acts of violence on school premises or during school activities