There are risks inherent in all sorts of school activities, and the safest program will never avoid all accidents and injuries. That is why it should be the school’s responsibility to provide additional insurance coverage for the students should an accident occur during a school sponsored activity or event.

Here are some questions to ask yourself as an administrator, board member or even as a parent in an ELCA school - whether or not appropriate accident insurance coverage currently exists should an accident occur at a school sponsored event/activity:

• Does the school have any obligation to make sure the medical bills are covered?
• Is there a gap in parents’ coverage due to deductibles or co-pay provisions?
• Is $5,000 per accident under the liability policy sufficient?
• What if the parents do not have insurance?

A $25,000 Student Accident Plan has been designed for the ELCA and is available for $3.00 per student. The premium includes a developmental fee that allows the ELCA to pursue additional benefits and programs for it members. For more information on Student Accident coverage, please contact Dave Sefcik at Special Markets Insurance Consultants, Inc.  daves@specialmarkets.com  800.727.7642

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