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I am a homeschooling mother and Certified Public Accountant (CPA) combining my experience and knowledge to help homeschool organizations such as co-ops, support groups, music and sports programs. HomeschoolCPA answers questions from homeschool leaders on many topics such as nonprofit status, liability, paying teachers, tax exempt status and taxes.
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12:13 PM, Jun. 26, 2006
Insurance for homeschool groups
(view similar articles on Non Profit Organizations)
I was asked by a homeschool organization that I work with to get quotes on general liability insurance for them. I've learned a lot and will pass along what I know.
This homeschool group had been told by the pastor of the church they had been meeting at that they didn't need insurnace, the church would cover them. Well, the pastor had probably not checked with his insurance agent! I spoke to an agent that covers a lot of churches and he said only "ministries of the church" are covered by the church's policy. This group was independent of the church (although the church was verbally and financially supportive of the homeschool group). They were a 501c3 tax exempt organization and so obviously NOT a ministry of the church. They were more like the Boy Scounts, using the space, as an independent organization.
So they need their own insurance. But what kind? There are several kinds of insurance.
- General Liability
- Medical Accident
- Directors and Officers.
more of what I learned about that next time...
Carol
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