Is the 4-H Event Insurance only for 4-H participants (registered members) and 4-H volunteers or does it cover parents, siblings, or the general public during a 4-H fair or 4-H horse show?
The 4-H event insurance, also known as Special Activities Coverage for Accident or Illness (Policy 717) insures all participants in any 4-H or extension sponsored activity. Participants may be enrolled 4-H members, non 4-Hers, volunteers, parents, siblings, and guests. The key requirement is that they are participants and not spectators.
For example, any participants and volunteers assisting with a 4-H horse show would be included in the insurance. If someone is attending to only view the show, they would not be covered. If a parent or sibling is assisting the participant, helping with a show function, or serving as a volunteer, they would be covered. If the parent or sibling is only attending as a spectator, they would not be included in the insurance.