How Schools Benefit From A Group Accident Insurance Policy

Many K-12 school districts across the country utilize group accident insurance policies. This type of insurance provides coverage in the case of an injury to students, chaperones, and other volunteers that help educators, teachers, and staff during school activities, sporting events, and other school related occasions.

Can K-12 Schools Benefit from Group Accident Insurance?

One important way schools benefit from group accident insurance is that it adds another layer of financial protection against liability expenses that can arise from injuries for which they can be held responsible.   The expense and potential threat of legal action against a school is a real possibility. Group Accident Insurance helps protect schools against these types of issues.

Parents and students can also benefit from group accident insurance. This type of policy provides a financial benefit to families to cover any additional costs associated with a school-related injury. This is especially helpful for families that may not have major medical coverage, or would incur unexpected expenses as the result of an accident.

Who is Covered under Group Accident Insurance?

  • Students

  • Volunteers

  • Chaperones

It is important to note that teachers, educators, and staff are not covered through group accident insurance. They are generally provided benefits under their school district’s health insurance plan or workers compensation program.

Accident insurance isn’t just only available to public schools. Other types of organizations can purchase the policy, such as:

  • Private schools

  • Charter schools

  • Athletic departments

  • Preschools

  • Licensed daycares

  • Nonprofit organizations

  • Religious establishments

  • Clinics

What’s Covered in Group Accident Insurance for Schools?

A group accident insurance policy provides a financial benefit for specific injuries obtained while on school grounds or at a school event. These include:

  • Slips, trips, falls

  • Cuts and contusions

  • Broken bones

  • Sprains

  • Fractures and dislocations

  • Burns

  • Other injuries

Where Does Group Accident Insurance Protect People?

Group accident insurance provides protection far beyond the school campus.

Additional locations of coverage include:

  • Playgrounds

  • After school time

  • Travel to and from events

  • Field trips

  • School sports

  • Clubs and activities

  • Other school related events

A Client Offering for Agents and Brokers

If you are an insurance agent or broker with clients in the fields of K-12 Schools, Child Care, Non Profits, Kids’ Camps, Youth Sports, or Health and Fitness clubs, group accident insurance from Pomi is a great way for them to reduce their potential liability costs. In addition, this type of coverage allows your clients to provide financial protection to certain members of the population they serve.

Pomi is dedicated to helping you and your clients by making the insurance process friendly and fun. We’ve simplified the process, so your work with us barely weighs as much as a feather on top of your usual load. Pomi is customizable, from your policies to your schedule you can DIY your experience and a real person will be available to help you build a tailored policy for your complex clients.

Send us a message, schedule a zoom chat on our contact page, or email us at [email protected], to start your pomi collab today!

These posts are for informational purposes only and should not be considered as specific financial, legal or tax advice. Depending on your individual circumstances, the strategies discussed in this post may not be appropriate for your situation. Always consult your legal or tax professionals for specific information regarding your individual situation. In providing such information, Great American does not warrant that all potential hazards or conditions have been evaluated or can be controlled. The liability of Great American Insurance Company is limited to the terms, limits and conditions of the insurance policies underwritten.  © 2024 Great American Insurance Company. All Rights Reserved. Great American Insurance Group’s member companies are subsidiaries of American Financial Group, Inc. (AFG). AFG is a holding company whose common stock is listed on the New York Stock Exchange. Policies are underwritten by Great American Insurance Company, an authorized insurer in all 50 states and the DC. Please see Great American Insurance Company’s Legal Disclosures/Terms and Conditions here.

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