How Does Private School Insurance/Charter School Insurance Help Protect Students?

How Does Private School Insurance/Charter School Insurance Help Protect Students?

Charter school and private school insurance programs can help protect students by providing a broad range of coverages designed to protect students of various ages and grades on and off school grounds. The Hartford offers a wide range of coverages that include benefits to cover Accidental Death and Dismemberment (AD&D) and Accidental Medical Expense (AME).

Whether students are playing on the playground, exploring a new location on a field trip, conducting an experiment in science lab or more, many potential risks exist and most can agree that insurance is essential to charter and private schools. With a comprehensive insurance program from The Hartford, schools and parents can feel confident that their students are covered for most accidents, whether in the classroom, on the sports field, the playground or a field trip.

What Does Insurance for Charter Schools Cover?

The Hartford accident insurance for private and charter schools helps cover essential insurance needs such as accidental death, accidental dismemberment and accidental medical expense (AME). Take a closer look at how each of these benefits can protect students private and charter schools.

Accidental Death

Accidental death insurance from The Hartford pays benefits to the beneficiary when the cause of death was accidental and unforeseeable. For example in the unfortunate circumstance that a student dies due to a covered accident while playing in a sports game, on a field trip, or in the classroom, accident insurance pays benefits to that student’s beneficiary. The Hartford’s accident insurance for private and charter schools provides the maximum benefit selected for loss of life from a covered accident.

Accidental Dismemberment

Accidental dismemberment insurance from The Hartford for private and charter schools helps provide benefits to students and beneficiaries in the event of an unforeseeable and disabling accident. The Hartford’s accidental dismemberment insurance plan provides coverage for:

  • Loss of speech
  • Loss of sight
  • Loss of hearing
  • Loss of a thumb and index finger in either hand
  • Loss of movement
  • Loss of a hand or foot

Accidental Medical Expense

Accidental medical expense or AME from The Hartford can help cover medical costs that arise from injuries due to a covered accident. For example, if a student is burned as the result of a covered accident in a school’s chemistry lab, accident insurance from The Hartford will help cover the costs of the medical expenses related to the treatment of the student’s injuries.

Can Private School Insurance Help If a Student Is Assaulted?

Yes. The Hartford offers optional accident insurance coverage to charter and private schools that provides a benefit to help when a student is the victim of or witness to, an assault. This benefit can provide up to $500 of coverage for three counseling sessions to victims and witnesses of an assault. In addition, it provides 10% of the principle sum up to $10,000, to the assaulted student.

What Other Coverages and Benefits Are Available?

With accident insurance from The Hartford, private and charter schools can expand their coverage with a full range optional benefits that can be added to their school’s primary accident insurance policy. These optional benefits include:

  • Sports Accident helps protect athletes for covered injuries sustained while playing and practicing
  • Home Tutoring covers one month of home tutoring sessions up to $500 if a child is unable to attend school as the result of a covered loss
  • Paralysis and Coma pays benefits as the result of paralysis or coma, depending on the loss of movement

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