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Music Coverages 2024-2025
General Liability Insurance
Download document| Carrier: | National Casualty Company |
|---|---|
| General Aggregate Limit: | no limit |
| Products-Completed Operations Aggregate Limit | $5,000,000 |
| Each Occurrence Limit: | $1,000,000 |
| Personal and Advertising Injury Limit: | $1,000,000 |
| Damage to Premises Rented to You: | $300,000 |
| Premises Medical Payments: | $5,000 |
| Sexual Abuse & Molestation – Each Occurrence: | $1,000,000 |
| Sexual Abuse & Molestation – Aggregate: | $2,000,000 |
| Participant Legal Liability: | $1,000,000 |
| Crisis Response - Each Event/Aggregate | $25,000 |
Accident Insurance
| Carrier: | Hartford Life and Accident Insurance Company |
|---|---|
| Accident Medical Expense Benefit | |
| Maximum Benefit: | $50,000 |
| Deductible: | $250 |
| Heart & Circulatory Maximum Benefit: | $2,500 |
| Heart & Circulatory Malfunction Benefit: | 10% |
| Physical Therapy/Chiropractic – per Visit: | $50 |
| Physical Therapy/Chiropractic – Maximum per Injury: | $2,000 |
| Durable Medical Equipment – Maximum per Injury: | $1,000 |
| Outpatient Prescriptions – Maximums per Injury: | $1,000 |
| Dental Maximum Limit: | Included in Medical Max |
| Accidental Death & Dismemberment Benefit: | $2,500 |
Covered Activities
Insured persons are covered during:
- Interscholastic music contest or festival
- School sponsored clinic with an interscholastic group
- Judging at an interscholastic music contest or festival
- Attending a national, state or local music association conference or meeting
- Serving as an interscholastic music contest or festival manager
- Teaching private, school sponsored lessons, provided the school authorizes the private lesson program and the lessons are taught on-site on school property
- School sponsored travel, as a group, to and from covered activities