Home School Insurance FAQs

These are the activities or events in which Home School students, teachers, and volunteers participate. They are planned throughout the year, and can be educational, recreational, and/or spiritual in nature.

It is a requirement of the General Liability carrier that Accident Medical coverage be in place.

Registered participants are those individuals identified by and on record with the Home School Group as being a part of the group or event.

This means that the policy pays after any other available insurance pays.  If no other insurance is available (Group, Individual, Auto) then the policy becomes primary and pays, without deductibles.   In addition, if other coverage is available, this plan would pay out-of-pocket expenses such as deductibles and co-insurance.

There is coverage under the Accident Medical Policy on an excess basis when traveling to or from a sponsored activity.  There is no coverage under the General Liability Policy.

Accident Medical claims are paid by the Accident Medical carrier; General Liability claims are paid by the General Liability carrier.

The insurance companies have assumed in their pricing that the number of students and volunteers shown on the application will remain constant throughout the policy term. No additional premium or refunds will be made during the policy term, unless the enrollment increases or decreases by more than 10%. Please notify your Customer Service contact if enrollment changes by more than 10%, as either a refund may be due or an additional premium charge may be due.  However, a minimum premium amount will still be required.

The Accident Medical coverage is a requirement of the General Liability insurance company to help mitigate potential liability claims.

An Accident Medical policy will be sent to each group enrolled. A Certificate of Insurance (including policy number, coverage outline, and effective dates of coverage) will be sent in lieu of a General Liability policy. You may request a copy of the policy by contacting your Customer Service representative.

No, organized sports are not covered. Gym class or recreational sports during recess are covered. If you require coverage for organized sports, please click this link for Home School Sport Solutions.

Yes, if the facility requires that it be named as an additional insured, coverage can be added upon written request.  The first two (2) requested Additional Insured Certificates are provided at no additional cost.  Thereafter, Additional Insured Certificates will cost $35.00 each.

Yes, as long as the Support Group is an HSLDA Discount Group, all members are eligible to participate.

For support groups, premium is paid once a year at initial enrollment.  For event coverage, the minimum premium is paid at enrollment, and additional payments are made as each event occurs.

In today’s litigious society, every organization is vulnerable to lawsuits.  Accident Medical Insurance provides valuable protection for the students, and also serves as a buffer to protect the organization’s General Liability limits from catastrophic losses.  General Liability Insurance is generally required when using rented facilities, so this important coverage allows your organization to comply with those requirements, while also protecting the organization from possible litigation.

No, the rates are already fully discounted.

You may use your own waivers.

All signed Waivers should be kept on file by your Organization.  They do not need to be submitted to us.  Copies of the completed Waivers my be requested by the General Liability Carrier in the event of a claim.

An HSLDA Discount Group is a homeschool organization that has qualified to offer an HSLDA discount to its members, and has a Discount Group number.  Basic requirements for an application are:

• The group serves ten (10) or more families.

• The group also meets the definition of “Homeschool Group,” as follows:

A state or local homeschool group is a group, co-op program, or other organization which exists expressly to provide “in-person” support, activities, information, and/or encouragement such as support group meetings, co-ops, field trips, sports programs, curriculum fairs, etc., specifically for homeschooling families.  Homeschool service providers, PACs, social media groups, email lists, website-only groups, and other homeschool network resources are listed separately under National Vendors/Homeschool Networks.

For more information, see:  hslda.org/GroupServices/DiscountGroupProgram.aspx.

If you just need to know what the pricing would be at this time, you can calculate the estimated premium by multiplying the estimated number of participants that you have in your group by the rates on the appropriate application(s).  These Insurance programs are based on participant numbers.

We do not need to know the actual names of the participants in your group.

One of the methods used to keep the premiums as low as possible is the utilization of a “Master Policy.”  This means coverage is provided with a singular policy which is provided through the “Youth Group Insurance Trust.”  In lieu of a policy, participating organizations are issued a Certificate of Insurance, which provides the limits of coverage, policy term, and policy number.

Copies of the Youth Group Insurance Trust and policies, including coverage forms, are available to enrolled participating organizations upon request.