In order for coverage to apply, the spirit group must adhere to safety rules which are at least as restrictive as the National Federation Spirit rules and which are in compliance with the regulations of their State High School Association. Coverage shall also apply for losses resulting from classroom activities of the member at the high school or lower level in any subject. However, coverage does not extend to field trips, which are not considered classroom activity. It is further understood and agreed that counselors, or counseling activities, are not considered classroom activities and are not covered under this policy. Coverage will extend to covered activities as a substitute teacher, as long as the member s activities are conducted in the same school district as the member s teaching activities.
Coverage includes defense costs and is excess of any other valid and collectible insurance.
No liability coverage is provided for members while driving any auto. Coverage is excess of any other valid and collectible insurance, and includes a 52-week incurral period. Coverage extends to include travel to and from a covered activity. They provide for reasonable and customary medical, dental, hospital, and nursing expenses incurred as a result of a covered accident. Coverage extends to include travel to and from a covered activity.