K–12 physical education (PE) programs encourage children to engage in an active lifestyle. Although these classes are often a source of fun, they also come with the risk of injury. Having the right insurance plan can help protect schools, teachers and students.
Bene-Marc Inc. specializes in sports insurance and can work with you on obtaining protections for K–12 PE–related exposures. We have worked with hundreds of educational institutions, and our team emphasizes building strong relationships with our clients. Contact us today to learn more about securing a comprehensive insurance plan to meet your needs.
What Is Accident Insurance for K–12 PE Programs?
Even with safety procedures and risk management techniques in place, accidents during PE classes can still happen. Sports insurance may provide various coverages, including:
Base plan accident insurance—This insurance may provide protection for the students participating in PE programs. It may help pay for medical costs (e.g., doctor’s visits and diagnostic tests) that arise from accidents occurring while students engage in physical education activities. This coverage may assist in paying for students’ medical expenses. It may also reduce the likelihood of parents filing lawsuits.
Catastrophic accident insurance—Catastrophic accident insurance may provide coverage if a student sustains an injury while participating in a PE activity that results in significant medical expenses. It typically works in conjunction with a base plan accident policy, and it is usually written as an excess insurance policy with relatively high deductibles and limits.
Your agent can assist you in reviewing the policies and provide more information regarding their coverages, limits and exclusions.
What Other Coverages Are Available for K–12 PE Programs?
There are several types of additional coverages available for PE programs, including:
General liability insurance—If a lawsuit is filed and a PE program is held legally responsible for a third party’s injury or property damage, general liability insurance may help cover the cost of the resulting legal fees or medical expenses.
Professional liability insurance—PE teachers may not be covered individually by their school or their district’s liability insurance policy. They can obtain professional liability insurance that may provide protection if a claim alleges an error, omission or negligence caused a third-party’s injury.
Sexual misconduct insurance—This insurance may offer coverage for sexual misconduct claims and may help provide compensation to the victims.
Equipment insurance—Equipment insurance may help pay for sports equipment (e.g., helmets and balls) or facility equipment (e.g., scoreboard and bleachers) if they are damaged or destroyed by covered perils such as such fire or vandalism.
Other coverages may be available, and insurance plans can generally be customized. The agents at Bene-Marc can work with you to help determine your program’s specific needs.
How Much Does Insurance for K–12 PE Programs Cost?
The cost of PE insurance depends on several factors, including coverage limits, deductibles and claims history. The size and location of the program could also affect the premiums. Your agent can provide additional information to help you find a plan that fits into your budget.
Contact Us Today for More Information
Multiple options for K–12 PE insurance exist and obtaining the right plan for your program may seem complicated. The experienced team at Bene-Marc can help you navigate the available coverages and assist in putting together a comprehensive insurance plan that meets your needs. Call 800-247-1734 or visit our website for more information.