There have been a lot of homeschool leaders sharing helpful information on insurance for homeschool groups on the I Am a Homeschool Group Leader Facebook group. (Come join us!)
Be aware that insurance is licensed by the states, so many insurance plans are limited to only a few states where they are licensed.
Here are insurance providers in no particular order that other homeschool groups have used and comments from homeschool leaders:
We use Erie Insurance. If you are in a state that they service, I can’t recommend them enough. The agent was responsive, answered my endless questions about the policy and the many what if’s I could think of, and they came in significantly cheaper than the NCG quote. The best part was they set us up on the same type of policy that a school would use (they were well aware of the type of co-op we were), so every year they can adjust my coverage based on the number of students.
Mennonite Mutual was least expensive for us.
Brotherhood Mutual. They were more reasonable and better insurance in my opinion. https://www.brotherhoodmutual.com
NCG (National Church Group) sold through HSLDA (Homeschool Legal Defense Association) https://ncginsurance.com/home-school-insurance-solutions
There were concerns that NCG did not cover children ages 0-3 years old. As of August 29, 2019, they agreed to extend coverage to children in nursery care (ages 0-3 years) during homeschool group activities effective immediately.
This coverage will be available for an additional premium for nursery exposures within any homeschool co-op, support group, or Classical Conversations community.
The premium charge for this coverage is:Accident Medical – $20 flat charge and General Liability – $100 flat charge
For more info, contact NCG customer service at email@example.com or at 833-409-8500.
Church Mutual will write policies for nonprofits. One leader said this,” They sent an agent to our building and she sat with me for two hours to understand our programs and needs. She made certain they cover what we need and do. AND, it was less than HALF the quote I got from Brotherhood! Its a really good rate in our opinion.”
I received a quote from Pro Insurance Managers for less than $300. It is event only general liability for the days we meet to do our program (18x/year). For us, a group just starting out, would this be a good choice? PRO Insurance Managers 1-877-CALL-PRO
Church Insurance Specialists, Inc. (in WV, OH, or PA). Contact Ron Shirey at 814-618-5532. You must have a board of directors, you may be an unincorporated association or an incorporated nonprofit, and you must have a religious purpose.
The policy will include general liability, a minimum of $1,000 personal property, sexual misconduct & abuse, accident medical, daycare exposure(for 3 & under), and directors & officers. He said the average quote is $2,000. Churches can be named as additional insured to cover their property.
Have employees? They can also quote you a worker’s comp policy and they offer a payroll service. For more information about their payroll service call 1-866-215-5540 and leave a message in the sales department.
Jamie Buckland, Classical Program Consultant gave an excellent webinar on insurance and a summary of questions you should ask your insurance provider when shopping for a policy.
I attended the webinar and learned a ton! Very worth the low cost of $12.
Carol Topp, CPA
Helping Homeschool Leaders