Back to School Insurance

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Back to School Insurance

As you get your children ready to head off to school, there’s one vital “to-do” to add to your list: a review of your insurance coverage. In the spirit of the back to school season, let’s have an insurance coverage pop quiz!

Question: Is a parent who is chaperoning a field trip covered by insurance?

Answer: You will want to be sure auto coverage extends if the parent drives students in their car to a field trip. You only need to check with the homeowner’s coverage if the parents are chaperoning, not driving.

Can you name some situations in which you would want to know an adult volunteer is covered?

Here are some examples:

  • A wreck on the way to an exhibit with students in the car.
  • A volunteer lifts a massive prop for the spring musical, and it falls on a fellow volunteer.
  • A parent volunteer trips and falls on supplies they left out while painting the school.

Question: Will an insured be covered if an accident happens while carpooling?

Answer: there are many ifs in this scenario. Ask your insured if they know what would happen if their child was in someone else’s car and was injured.

Question: Are parents responsible for their college student’s actions while they are away?

Answer: Vicarious liability laws may still apply. Parents of college students should also ask their homeowners carrier if coverage extends. Finally, help them determine who qualifies for liability coverage as a “student away from home.”

Starting a new school year is an exciting time for both students and their parents. Making sure you’ve got the right insurance coverage can help you protect your assets as you invest in your child’s future. Contact AWS today, and we’ll help you find a policy that is right for you and your family.

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