- Accident Insurance
Most liability claims begin from people trying to recover medical expenses. Accident/medical insurance policies are available from American Income Life Insurance Company. This insurance is a very good investment and is mandatory for all clubs. Two types of coverage is available:
- Annual Accident Insurance. $1.00 per person per year. This policy covers each registered member (leaders optional) while participating in or attending regularly approved and supervised group activity. All members must be insured.
- Special Activities Insurance. $.15-.23 per person per day. This policy covers youth, volunteer leaders and adults participating in adult supervised activities sponsored by University of Nebraska-Lincoln Extension at camps, conferences, fairs, tours and other events. Includes travel to and from the sponsored event.
An American Income Life Insurance policy should be purchased and processed through your local UNL Extension office.
For more information and benefits provided by American Income Life Insurance see Appendix B - Forms.
- University of Nebraska Liability Insurance for Volunteer Leaders
The University of Nebraska liability insurance extends to 4-H volunteer leaders. This policy is in effect at any event, club or group setting in which 4-H members are supervised by 4-H certified volunteer leaders.
This policy is in effect only at a 4-H sponsored event. For example, state championships, 4-H shooting sports trailer use at county fairs and club sponsored competitive events are covered because 4-H members are being supervised by certified 4-H shooting sports leaders.
This liability policy does NOT cover a 4-H leader who chooses to attend an event which is not 4-H sponsored, i.e. the State Trapshooting Championships at Doniphan.
This policy does NOT extend to 4-H members or other participants at an event, club or group setting.
This policy does cover all trained and certified 4-H shooting sports leaders, however, it requires that leaders must do everything possible to ensure a safe atmosphere and range.
It is recommended leaders maintain a small notebook listing dates, safety checks or policies which have been implemented. Anything you do to keep records further helps protect you and other leaders.