The Most Common 4-H Injuries

Thousands of 4-H activities are insured each year by the American Income Life Special Risk Division ranging from club meetings to county fairs to summer camp.  Not suprisingly equine related incidents account for the most accidents submitted to the company.  Broken bones after falling from a horse is the number one injury reported, followed closely by sprains and […]

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How To Insure 4-H Winter Sports

Injuries sustained while tobogganing, sledding, tubing or downhill skiing are not covered under the dollar-a-year policy for 4-H Clubs.  However full coverage is available by using special event coverage offered by the American Income Life Special Risk Division.  Extension Staff and Volunteer Leaders may request coverage for snow sports using Special Activities Coverage for Accident […]

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4-H Insurance – Important Changes for 2012

The American Income Life Special Risk Division and 4-H have enjoyed a unique relationship for six decades which has benefited extension staff, volunteer leaders, and youth participants.  Beginning in the 1950’s, the company designed special coverages exclusively for 4-H and Cooperative Extension Programs.  First-dollar primary plans are designed to cover the typical accidents and illnesses which […]

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