Participation in band organizations provides the opportunity to bring music to life through competitive events but can
also result in accident and injury. Many families have little or no medical insurance, and those who have coverage
maybe required to meet large deductibles before their insurance pays any benefits. In addition, schools/school districts
run the risk of personal exposure to lawsuits through a participant's injury claim.
This Specialty Insurance Program for band organizations is designated to help eliminate the financial and emotional
burden one can incur as a result of a lawsuit or participant injury claims. Accident and liability insurance coverage is
offered as a standard product with optional coverages also available such as equipment, hired and non-owned
automobiles and additional higher liability insurance limits.