Insurance for Homeschool Groups
The following information is prepared by Home School Legal Defense Association to assist state and local home school leaders in addressing insurance issues arising from the organization of support groups and state associations. Except for the references to federal law, the information provided is based upon the law in the majority of the states. No representation is made that this information is accurate for any particular state which may have a statute, regulation, or court ruling contrary to the information provided herein. The contents of this section do not constitute legal advice. HSLDA recommends that you consult a local attorney or insurance agent in any final decisions regarding these insurance issues.
Each group’s circumstances are different, so you’ll want to talk to an insurance agent about exactly what sort(s) of insurance would be best for your group. However, our basic suggestions are (1) a good general liability insurance to cover accidents at support group functions and (2) officer/director insurance to prevent someone from coming after the board member’s personal assets.
For general information on the various types of insurance, as well as specific questions to ask a company, read "Insurance for Homeschool Groups" by Carol Topp.
See Financial and Legal Issues for more details about liability, incorporation, etc.
Because of the diverse characteristics of home-education programs, many insurance companies have been reluctant to offer homeschool groups the same coverages they offer public and private schools. Now, through the hard work of two agencies, Special Markets Insurance Consultants and NCG Insurance, HSLDA is pleased to announce an insurance program specifically tailored to the needs of homeschool groups.
Plan I: Homeschool Support Group Insurance—Accident Medical + General Liability
Plan II: Homeschool Events (for a specific group-sponsored event)—Accident Medical + General Liability
Plan III: Directors and Officers (D&O)—For directors and officers of not-for-profit homeschool organizations
NOTE: HSLDA is not an insurance company and receives no commission or other benefit from this program. This program is one option for homeschool groups wanting to obtain liability insurance.
Other Insurance Options
The following companies have also been reported by leaders to work with homeschool organizations:
Brotherhood Mutual (One carrier is James O. Bower Insurance, Inc. who represents Brotherhood Mutual in the Pennsylvania region. (717) 763-5668)
Homeschool Sports Network offers liability sports insurance. (Homeschool Insurance Solutions does not cover organized sports.)
The content of this website has been prepared for and is intended to provide information that may be useful to members of the Home School Legal Defense Association. The Association does not necessarily warrant this information. The reader must evaluate this information in light of the unique circumstances of any particular situation and must then determine independently the applicability of this information.
Inclusion of resource links is for information purposes only and does not necessarily constitute endorsement of any or all content of linked sites. While some links redirect to other HSLDA site pages, many links listed redirect to external pages; HSLDA cannot guarantee the accuracy of information found through any external link. Please let us know if you find a broken link so we can correct it.