What activities are covered under the "Blanket Mandatory" insurance program? All activities, both sport and non-sport, are covered under a "Blanket Mandatory" plan. The activities must be school sanctioned and supervised by appointed school personnel. No rosters are needed under a Blanket Mandatory plan. Along with travel in school vehicles, practice and play are covered. When a school district purchases Blanket Mandatory coverage, K-12 field trip coverage is included at no extra charge. This field trip coverage is limited to day trips in school vehicles.

Under the Voluntary Student Accident Plan, are the premium rates paid each month? No, the rates shown on the brochure are the YEARLY rates. However, there is no prorata refund of premium if the coverage is purchased during the school year. The individual student effective date of coverage for the Voluntary Student Accident is when the application, along with premium, is received in our office. If the application is given to the school district, the effective date is when the school receives the check and application. All school activities, with the exception of senior high football, can be covered by "at school coverage." There is a separate premium charge for senior high football.

Does the Catastrophic Insurance Cover Non-Sport Activities? At the discretion of the district, the Catastrophic Insurance can cover sport, non-sport, physical education classes, intramural, and all students of the district. There are separate premiums to cover each group. General Liability is placed with a Surplus Lines AmBest A+ Carrier or Markel Insurance Excess Accident Medical written by The Hartford, American Insurance Group (AIG), or Markel Insurance Company.

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