From science class to recess, physical education to football, cheerleading to chess club, these are just some of the numerous K-12 schools day-to-day activities. During these activities, accidents happen and can be minor to severe. On average, more than 1.35 million kids suffer a sport-related injury that requires emergency room treatment at an estimated cost of $935 million.
In today's health insurance landscape, parents are facing the burden of having higher out-of-pocket medical expenses and increasing deductibles. When parents are left to pay these expenses, they look to the school who sponsored the activity, for payment. Schools that do not have a student accident medical plan will continue to be at higher risk for exposure to contentious liability claims.
SMIC, an AmWINS Group Company, has the ability to ensure a school is covered for most school sponsored incidents, therefore minimizing parents' out-of-pocket medical expenses and a school's potential liability claims. We are able to offer a program that can fit schools' needs with the convenience of having one carrier, for a student accident policy for minor to moderate injury exposures and a catastrophic accidental medical plan for schools concerned with having severe injury exposures.
FOR THE 2017-18
ARE NOW AVAILABLE
FEATURED SCHOOL INSURANCE HOT TOPIC:
ACTIVE SHOOTER INSURANCE PROGRAM
There have been over 35 deadly school shootings since Columbine. SMIC has an Active Shooter Insurance Program designed to help schools before, during, and after these situations.
Primary Liability $1M-$20M
No Terrorism Exclusion
Damage to Property $500K
Pre Risk Crisis Service Included
Business Interruption Included
Crisis Counseling Included
Funeral Expenses Included
Special Markets Insurance Consultants, Inc. (SMIC) T 312-601-9273 M 773-759-3322