When working with your school, or school system, we offer many plans to meet your insurance needs. While the plans may vary in design they will all fall in to one of two categories, Blanket or Voluntary coverage.

Blanket Plans are those that we offer directly to your school, or school system, for purchase. We can design coverage packages for all of your School-Sponsored and supervised activities or for specific activities (interscholastic sports, field trips, camp, summer activities, community service programs, etc.) with a variety of deductible and/or co-pay options. All of our programs include access to an extensive PND/CPO network to help keep parent’s out-of-pocket costs as low as possible. Providing blanket coverage for all of your students offers many advantages over strict reliance on voluntary purchase plans:

  1) Premiums per student are far lower;

  2) Fail-safe compliance with relevant Education code (where applicable);

  3) Reduced related workload for staff;

  4) Improved access to extracurricular activities for economically disadvantaged students;

  5) Easier recruiting of employer partners for School-to-Work programs;

  6) Reduced liability exposure for the school and/or school system.

Voluntary Plans are those that we, in partnership with you, provide directly to parents & students to purchase on a voluntary basis as they see fit. We strive to make these plans affordable & easily accessible. Plans include School-Time Accident Plans, Tackle Football Accident Plans, Student Health Care & more.(Plans are available in either a Scheduled Benefit format or a PND/CPO format.)

Additional coverages may be provided to your school or school system at no additional cost in consideration of your application and diligent efforts to provide the voluntary Student Accident coverage materials to the parent/guardian of every student in the district and maintenance of a proper system of signed waiver/proof of insurance (where required by law). An outline of these plans can be found here. 

For specific information on coverage and eligibility inquire here.