Limit Medical Expenses And Liability From Accidents A-G Administrators offers an array of customized insurance products to K-12 institutions developing comprehensive student accident plans. Our K-12 Student Accident Insurance Products Include: Mandatory Plans Compulsory Plans Voluntary Plans Interscholastic Sports Plans Catastrophic Injury Plans Mandatory Accident Plans When an institution wants to have a financial safety net for its students and athletes in case of accidental injuries but needs to limit their risk, mandatory insurance is a solid solution. Institutions make the purchase of this type of school insurance mandatory for parents. These are typically excess plans. This means that injured students whose families already have health insurance will receive benefits secondarily to any personal insurance. This may especially come in handy for those who have to pay high deductibles with their health insurance. In the case of students who don’t have health insurance, they and their families won’t be facing the burden of medical expenses alone. With mandatory insurance, the institution has made sure all of its students are protected from out-of-pocket expenses, which can help minimize the litigation risk that often happens when the unfortunate occurs, and parents are reeling from shock and expense. It also helps control the institution’s budget. Compulsory Plans An institution purchases compulsory insurance plans to provide benefits for injuries sustained during the hours and days when school is in session and while students are attending or participating in school-sponsored and supervised activities on and off school premises. Institutions can count on A-G Administrators’ experience in the marketplace and our streamlined processes to customize a plan based on each institution’s unique needs and budget. Because the institution pays the premiums, the school families will appreciate its oversight and care. Compulsory Policies Can Also Cover Students Who Are: Participating in interscholastic sports, including football Traveling to and from school and school-sponsored activities Voluntary Plans 24-Hour Accident Insurance For institutions that have round-the-clock student activity, A-G Administrators offers 24-hour accident insurance plans. These plans generally cover everything compulsory plans do, with additional benefits for covered injuries 24-hours a day and throughout the year, including weekends, vacations, and summers. This plan is paid for by the individual, not the institution. 24-Hour Accident Insurance Provides benefits for covered injuries sustained during the hours and days when school is in session and while students are attending or participating in school-sponsored and supervised activities on or off school premises. School Time Accident Medical May Also Cover: Participating in interscholastic sports, including football Traveling to and from school and school-sponsored activities Interscholastic Sports Plans A-G Administrators’ interscholastic sports policies can help institutions make protection opportunities available to their student-athletes, managers, trainers, cheerleaders, and other participants to help protect them from the financial burden of the high cost of catastrophic injuries. These covered injuries include: Injuries sustained during try-outs Injuries occurring during pre-season, regular season, and postseason play Injuries occurring travel to and from games and practices This plan is paid for by the individual, not the institution. Catastrophic Injury Plans Sometimes unexpected injuries have more significant, life-threatening consequences. A-G Administrators can help institutions be ready if the unfortunate happens, with catastrophic injury plans. Up to $5,000,000 in Catastrophic Accident Insurance for medical expense benefits An additional cash benefit of up to $500,000 is paid per covered accident If a covered person suffers paralysis, coma, or brain death as a result of a covered accident, the additional catastrophic cash benefit will be paid according to the option selected and in addition to the medical expense benefits. Create Your Program: Because of the extreme costs, challenges, and emotional repercussions of a student or student-athlete’s catastrophic injury, A-G Administrators offers institutions the option to create their own programs. Choose Up To A $5,000,000 Benefit Or Up To A $1,000,000 Benefit: Choose up to $5,000,000 in excess accident medical expense benefits for covered accidental injuries with a ten year benefit period Or choose up to $1,000,000 in excess accident medical expense benefits for covered accidental injuries with a lifetime benefit Then select: A lump-sum benefit of up to $100,000 for any conditions in the Table of Losses, with a yearly benefit of $40,000 paid for up to ten years (total: $500,000) A lump-sum benefit of up to $200,000 for any conditions in the Table of Losses, with a yearly benefit of $80,000 paid for up to ten years (total: $1,000,000) These K-12 catastrophic programs have a $25,000.00 deductible. Benefits paid under the base plan are applied to the deductible of the catastrophic plan. LEARN MORE. DOWNLOAD OUR K-12 STUDENT & STUDENT ACCIDENT INSURANCE BROCHURE REQUEST A QUOTE Our experienced staff will assist you in determining the right solution for your campus. The PSBA Insurance Trust is proud to partner with A-G Administrators for the Student and Volunteer Accident programs made available to the PSBA membership. Out of this partnership, we are confident that our member school entities are receiving the highest level of service and support. A-G’s collaborative approach, their dedication to Pennsylvania’s public schools and their expertise make this an easy choice as a partner and the best choice for our members. Kelsey Carbaugh Marketing Manager PSBA Insurance Trust Achieve Greatness! The time is NOW for you to partner with the undisputed sports insurance leader. REACH OUT The A-G Difference Maker! Our proprietary, web-based claims management system streamlines the process and defines A-G’s dedication to the athlete. EGBAR stands for Efficiency Generating Business Automation Resource but it means everything’s going to be all right. Our Team is here to help you, and EGBAR helps us do that better than anyone else. Meet EGBAR... SEE HOW ONE SCHOOL DISTRICT REDUCED ITS STUDENT ACCIDENT INSURANCE PREMIUMS BY 25% VIEW CASE STUDY A-G ADMINISTRATORS Corporate Overview Our History Key Staff News & Press Archive Career Opportunities STAY IN TOUCH Email* INSURANCE PROGRAMS K-12 / Scholastic College / University Clubs / Leagues / Travel Teams National Governing Bodies Events / Clinics / Camps / Tournaments Risk Management K-12 Student Accident Plans College Student Accident Plans Ancillary Products Other Products CUSTOMER SERVICE Contact A-G Submit a Claim Check Claim Status Request a Quote EGBAR Login FAQ Document Library Agent & Broker Resources QUICK COVERAGE A-G ADMINISTRATORS LLC Valley Forge, PA USA Ph: (610) 933-0800 Fx: (610) 933-4122 Office Hours: M-F 8:30am-6pm EST ACHIEVE GREATNESS!™ A-G has the experience to offer the best custom coverage for every program and the best customer service to ensure a worry-free process for every claim. 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