Insurance

Are event hosts covered under OSU’s insurance?

We cannot extend liability coverage to a property owner unless we have a contractual arrangement with them for the use of their property for an event. Hosts can only be entitled to being listed as additionally insured on our university policy if there is a contractual agreement signed by both parties. Work with Jesse Buxton if you think you will need to work on a contractual arrangement with a host site.

American Income Life Insurance (AIL)

Accident and Event Insurance is often handled through American Income Life Insurance (AIL) (currently an OSU vendor in WorkDay) but can be done through other accident insurance providers. Event insurance covers 4-H or Extension-sponsored activities for youth or adults. It includes some medical, dental, and hospital benefits. AIL’s Annual Accident Insurance Policy can cover all members of organized clubs and groups for as little as $1 per person per year. The policy can be used by individual clubs or county-wide programs with registered membership. Volunteer leader coverage is optional.

Coverage for AIL includes:

  • $5,000.00 – Medical and hospital expenses resulting from injuries
  • $5,000.00 – Loss of life
  • $500.00 – Dental expense due to injury of sound, natural teeth
  • $10,000.00 – Loss of any two: arms, legs, feet, hands, or sight of both eyes.**
  • $ 5,000.00 – Loss of any one arm, leg, foot, or hand.**
  • $ 3,000.00 – Loss of sight of one eye.**

**When injury does not result in loss of life but does result in any of these losses within 100 days of the accident, one of these maximum benefits will be paid in addition to any other covered expenses.

ALL MEMBERS MUST BE INSURED
AIL covers each registered member while participating in or attending regularly approved and adult supervised group activities. FULL coverage while traveling directly to and from the member’s home and the meeting place for the purpose of participating in scheduled group activity.

NOT COVERED

  • Eyeglass replacement
  • Denture replacement or repair
  • Suicide
  • Illness
  • Hernia in any form
  • Losses covered under Medicare or Workman’s Compensation
  • Injuries sustained during downhill winter sports
  • Air Travel
  • Children under the age of 5

Extension professionals are strongly encouraged to consider purchasing annual accident insurance for the entire year, and/or are encouraged to speak to their clubs’ organizational advisors to do so. Example: Some county 4-H committees provide the funds to pay for the coverage for all 4-H members each year.

Example Claims:

  • Death benefit, a 4-H member participating in a county fair died after falling from a tram.
  • Medical expense, a 4-H member was injured by a calf at the fairgrounds and was treated in the emergency room for a broken wrist, covered the maximum expenses allowable.
  • Ambulance expense, a Master Gardener Volunteer was conducting a program when a tree limb fell and hit him on the head, would pay for the ambulance expenses to the emergency room.

If you decide to obtain event insurance for your program, work with your county’s Office Associate to place a PO and estimate the number of people you think will attend ANR and/or MGV events. As far as the PO, it can be done for an annual coverage policy (AIL does provide that) or for one-off events as needed. As with anything PO/insurance related, the more lead time given to get the PO processed, the better.

Direct questions about event insurance to Jesse Buxton at buxton.26@osu.edu or 330-202-3558.

Modified March 5, 2025