Does your district currently have a policy to cover student accidents for school sponsored activities?
Our District carries Insurance through The Trust which covers General Liability and Professional Liability.
Would this cover work-based learning experiences?
We do not carry insurance that is stated to specifically cover student accidents for school sponsored activities.
Does your district have optional accident/health insurance that students can purchase?
We offer insurance to all students. We generally provide insurance packets during registration but it can be purchased at any time. Anyone can purchase it. We find that the majority of our students are covered by railroad parents or Indian Health Services.
Could you require CTE students to participate to cover work based learning experiences?
To require students to participate in the insurance, if they don’t have any, would mean a change in our current policy.
I can see the necessity of being insured as condition for work-based programs. However, to require this could put some families in financial hardship. A policy might need to be written that would require parents to sign some type of Hold Harmless Agreement or waiver that might remove the school from any liability. It could also become a stumbling block for students of lower income families, thus keeping them out of a beneficial program.
I agree your last point. I think the parent should have the right of refusal. In regards to low income families, I would hope there would be some form of subsidy like we see with student lunches so that there wouldn't be a stumbling block.
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