|
| |
OPTIONAL COVERAGES
|
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)
|
|
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:
 |
Employment-related issues such as discrimination,
harassment and wrongful termination; |
|
|
Failure to
provide services; |
|
|
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.
Back to Top |
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.
| |
Limits of Insurance |
| |
$1,000,000
occurrence / $1,000,000 aggregate |
| |
$2,000,000
occurrence / $2,000,000 aggregate |
| |
$3,000,000
occurrence / $3,000,000 aggregate |
| |
$4,000,000
occurrence / $4,000,000 aggregate |
| |
$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.
Back to Top |
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.
| |
Limits of Insurance |
|
| |
Each
Occurrence Limit |
$1,000,000 |
| |
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.
Back to Top |
|
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.
| |
Limits of Insurance |
|
| |
Each
Occurrence Limit |
$ 50,000 |
| |
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.
Back to Top |
|
|
