Generally speaking, students can add supervisors or agencies where they are doing practicum. Students may not add landlords as Additional Insureds. All other cases are subject to review.
FAQ Category: Applying for and Renewing Coverage
What is the difference between the “Individual Student” and “Student Blanket” applications?
“Individual Student” applications are for ONE student to take out their own individual policy. “Student Blanket” applications are for universities taking out coverage for multiple students. Currently, Student Blanket group policies cannot be purchased online. To request a Student Blanket application, please email our office at groupapps@cphins.com.
Can the school be covered on a Student Blanket Policy?
Yes, the school may also be covered for an additional charge of 25% of the students’ total annual premium. When a lawsuit results from a student’s action, the school will often be named in the suit. This policy will provide coverage for the school when it is named in the same claim or suit for damages for which a student and /or faculty member insured under the policy is also named, however, it will not provide coverage for a claim or suit if the school is solely named.
Can faculty members be covered on Student Blanket Policies? Is there an additional cost?
Faculty members are automatically covered for claims arising out of incidents while supervising and instructing students insured under the provisions and within the limits of the student blanket policy and there is no additional premium charge for this coverage.
I am a recent graduate from school. What do I do?
If you are an intern/post-master’s AND you are required by your state to complete a number of supervised hours towards a license, you are eligible for the “Intern” rate. If you are currently insured and originally applied under student or trainee status, you must upgrade your policy to reflect your new employment status.
After you have completed your intern hours and receive your full state licensure or certification, you may be eligible for the 50% savings the first year off of your professional rate at the time of your next renewal. This rule is subject to review based on the state you live in.
What kind of courses are acceptable to take the risk management discount?
Law and ethics, HIPAA. A minimum of 4 CEU’s completed within 24 months prior to your policy effective date is required unless you can demonstrate that your state requires a lesser number of CEU’s to fulfill re-licensing requirements for either Law, Ethics, or HIPAA.
If you are not sure if the course you have taken fulfills your state requirements, contact the course administrator or your licensing board. Typically, the course must include the words “Law,” “Ethics,” or “HIPAA” in its title to qualify for our discount.