Three kinds of insurance for homeschool groups

030429_1897_5028_xsmsCarol,

We were told by our host church that we’ll need our own insurance policy.  Can you look into that for us?

Beth S, Ohio

(I am a volunteer parent in this homeschool organization)

This homeschool group had been told by the pastor of the church where they would start some homeschool classes twice a week that they their own insurance policy.

So they need their own insurance.  But what kind? In talking to a helpful insurance agent, I learned there are at least three types of insurance a homeschool group could possibly need:

General Liability (sometimes called fire insurance).  It covers the property an organization owns or rents.  This is what the church is wanting from our group in question.  They want an insurance policy if our group damages their property.  Someone suggested that we ask the church to add our group as a rider.  It might be cheaper.  Or, it was suggested, we should get “event” coverage. It might be cheaper since we don’t meet every day in the church.

Accidental Medical coverage.  This is for coverage if a child hurts him or herself while at our homeschool function.  Since we don’t have gym classes or physical activities I think my group will skip this type of insurance.  We’ll probably get the parents to acknowledge that they will cover their children’s medical expenses.

Director and Officer insurance: This is to protect the leaders from being personally sued for liability.  The agent said these policies start at $1,000/year.  Yikes!  He said it is because it includes provisions for employee s*xual harassment, etc.. Because of the expense to the organization, some non-profits board members carry their own liability insurance.  Personal liability insurance, sometimes called an umbrella policy, can be purchased separately.  Our group doesn’t have employees (or a very large budget) and so I think that we’ll forgo the D&O insurance, also.

Carol Topp, CPA

Insurance for a homeschool sports program

Does your homeschool sports group need insurance? A homeschool leader in Indiana shares information on her insurance company.

Dear Carol,

I heard you speak at the Cincinnati Homeschool Convention and it was VERY helpful. At the end, I mentioned that we had sports insurance and you mentioned that you wanted that info. So, in keeping with my promise, I am responding to that request now.

We use USSFA which was established many years ago, as I understand it, to provide insurance for homeschool sports. There are only a few states in which they cannot insure, but you can contact Lew Owens for more information if needed.

email: ussfaoffice@comcast.net
USSFA Office
4150 Kildeer Drive, Ste 2-A
Indianapolis, IN 46237
Phome: 317-357-8908
Fax: 317-357-8791

We have used this for several years (our sports program is over 11 years old) and have been very happy with the program USSFA provides. With this insurance, we are able to show the schools and other rental locations that we have liability insurance and then we have the added benefit that our player/coach coverage picks up their existing medical coverage ends.

If you call Lew, please be sure to mention that you heard about him from me (Shawna Howell). Effective 3/15/08, I became the director the SEI Panthers Basketball (SE Indiana) program and he will know of me through that affiliation.

My prayer is that we can continue to network with one another for the benefit of the homeschool community across the country.

Thank you for all that you do to help our community and particularly for sharing your wisdom with us at the convention. I was truly blessed.

Blessings,
Shawna Howell

Thank you for sharing this helpful information, Shawna.

Carol Topp, CPA