NFHS - Speech, Debate and Theatre Association
Insurance Summary for the NFHS Speech, Debate and Theatre Association
Dissinger Reed is proud to provide insurance and risk management for the NFHS Speech, Debate and Theatre Association. With over 30 years of insurance experience for governing organizations and high school associations, Dissinger Reed understands the unique special risks involved with the NFHS and its members. The NFHS and Dissinger Reed have specifically designed an insurance plan to cover member Associations. Plan details are as follows:
What are my insurance benefits as a NFHS Speech, Debate or Theatre Teacher or Director?:
As a member of the National Federation of High Schools Speech, Debate and Theatre Association, you are provided with an insurance package which includes, General Liability, Accident Medical and Accidental Death and Dismemberment insurance. This insurance package is provided to you as part of your membership dues. There is no additional fee.
What speech, debate or theatre teacher or directors are covered?:
- All speech, debate and theatre teachers and directors who join the NFHS Speech, Debate and Theatre Association
- State and local associations that have 100% membership in the NFHS Speech, Debate and Theatre Association
What activities are covered?
- Coverage during extra-curricular speech, debate and theatre events whether such event occurs before, during or after the school day
- Coverage while judging at a speech, debate or drama festival whether such event occurs before, during or after the school day
- Coverage while conducting a clinic with an interscholastic speech, debate or drama group or individual, whether such clinic occurs before, during or after the school day
- Coverage while attending a national, state or local speech, debate or theatre association conference or meeting before, during or after the school day
- Coverage while serving as a speech, debate or theatre contest or festival manager before, during or after the school day
- Coverage while teaching groups or individuals, before and after the school day as an extra-curricular activity, but no coverage for teaching groups or individuals during the school day as a curricular activity
- No coverage for performing regular teaching duties
- Coverage for school sponsored travel, as a group, to and from covered activities
- No coverage for individual travel
NFHS Speech, Debate and Theatre Association General Liability Insurance Benefit Summary
- General Aggregate Limit – No Aggregate Limit
- Products-Completed Operations Aggregate Limit $5,000,000
- Each Occurrence Limit $1,000,000
- Personal & 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
Insurance Company Information: National Casualty Company, AM Best’s Rating – A+ (Superior)
NFHS Speech, Debate and Theatre Association Accident Medical Insurance Benefit Summary
- Maximum Benefit $50,000
- Deductible $250
- Maximum Dental Limit Included in Medical Max
- 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 – Maximum per Injury $1,000
- Accidental Death & Dismemberment Benefit $2,500
Insurance Company Information: Hartford Life and Accident Insurance Company, AM Best’s Rating – A (Excellent)
These benefit summaries are for illustration purposes only. For a list of policies provisions, as well as exclusions, please see the full policy.
Certificate of Insurance
Certificate of Insurance:
Many speech, debate and theatre directors are required to show proof of liability insurance in order to perform their duties. By clicking here you will be able to request a current certificate of liability insurance that, in conjunction with your current NFHS membership, will demonstrate that you are covered by the NFHS Insurance program.
Plan Administrator
For any NFHS Association Questions, please contact:
Christian Reed – President
Max Biggerstaff – Account Executive
Mindee Blount – Business Development
Claims Questions: please call 1-800-441-3994 Dial Option 1 to speak with a Claims Representative.
Please Note: For Membership questions, please call the NFHS directly at (317) 972-6900.