Music Coverages 2020-2021

General Liability Insurance

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Carrier: National Casualty Company
General Aggregate Limit: no limit
Products-Completed Operations Aggregate Limit $5,000,000
Each Occurrence Limit: $1,000,000
Personal and 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

Accident Insurance

Carrier: Hartford Life and Accident Insurance Company
Accident Medical Expense Benefit
Maximum Benefit: $50,000
Deductible: $250
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 – Maximums per Injury: $1,000
Dental Maximum Limit: Included in Medical Max
Accidental Death & Dismemberment Benefit: $2,500

Covered Activities

Insured persons are covered during:

  • Interscholastic music contest or festival
  • School sponsored clinic with an interscholastic group
  • Judging at an interscholastic music contest or festival
  • Attending a national, state or local music association conference or meeting
  • Serving as an interscholastic music contest or festival manager
  • Teaching private, school sponsored lessons, provided the school authorizes the private lesson program and the lessons are taught on-site on school property
  • School sponsored travel, as a group, to and from covered activities
Claim, Certificate of Insurance and Detailed Coverage Information Contact:
Dissinger Reed, 8700 Indian Creek Parkway, Suite 320, Overland Park, KS 66210 Phone: 800-386-9183 or 913-491-6385 Fax: 913-491-0527