Question 1

Can a school purchase a blanket policy for all students without listing each one individually?

Accepted Answer

Yes, schools can purchase a blanket policy that covers all students without needing to list them individually.

Question 2

Who is eligible for school coverage?

Accepted Answer

School groups, such as U.S. colleges and universities, are eligible for coverage. This includes liability coverage for students involved in field placements. Please note: we do not currently write policies for those institutions based in the state of Vermont.

Question 3

Who provides the insurance coverage?

Accepted Answer

The coverage is provided by American Professional Agency, Inc., underwritten by Allied World Insurance Company, and its member companies.

Question 4

What happens if a student drops out of field placement under a blanket policy?

Accepted Answer

The blanket policy remains in force until the next renewal date, even if a student drops out, ensuring ongoing coverage for the remaining students.

Question 5

Is there a difference between individual and blanket coverage?

Accepted Answer

Yes, individual coverage protects students separately, while blanket coverage ensures that all students are protected under one policy, including field placements.

Question 6

How soon may I obtain proof of coverage?

Accepted Answer

Proof of coverage may be issued on the same day your application is approved, and payment is received. Your certificate of insurance will be emailed to you (usually by the next business day after approval and payment). A Declarations page will be sent to you via USPS shortly thereafter.