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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Melinda Martin

Account Executive

Melinda began her insurance career in 1985 with Alexander & Alexander where she received her Property & Casualty and Life & Health license. Since then she has worked at various agencies in the New Orleans area and in California as a senior account manager for Employee Benefit Plans.  While in California, she was also the Membership Director for the Burbank Chamber of Commerce. Melinda joined the AWS team in July of 2015.

Michael A. Seeling

Vice President

Graduated from the University of Louisiana at Lafayette with a B.A. in Insurance Risk Management and is a graduate of Archbishop Rummel High School in New Orleans. He joined AWS in October of 2008 and has been awarded the Patient Protection and Affordable Care Act Certification (PPACA). Additionally, he is working towards his Certified Insurance Counselor (CIC), Registered Health Underwriter (RHU), and Registered Employee Benefits Consultant (REBC) designations. He is also a member of the National Association of Health Underwriters (NAHU), National Association of Insurance Financial Advisors (NAIFA), and is an active member of the Fore!Kids foundation.