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Haylor Risk Management Blog

Why Student Accident?

Posted by Risk Management Team on Mar 27, 2017 10:57:44 AM

Todays student can participate in a variety of school sponsored activities which help provide the opportunity to develop friendships, teamwork, and leadership skills.


We have seen an increase in sports activity participation and with this increased participation can come an increase in student injuries.   In fact, sports injuries are the second leading cause of emergency room visits for children and adolescents, and the second leading cause of injuries in school.

Recent research suggests that as many as four in 10 emergency room visits for children between 5 and 14 years old are for sports-related injuries.  According to the CDC , more than 2.6 million children 0-19 years old are treated in the emergency department each year for sports and recreation-related injuries.

The top 5 sports related injuries are:

5.  Soccer

4.  Exercise

3.  Football

2.  Cycling

1.  Basketball

Click here to see the entire list of the 20 most injury prone sports according to a recent article by PropertyCasualty360

Taking part in sports and recreation activities is an important part of a healthy, physically active lifestyle for kids. But injuries can, and do, occur.  When an injury or accident occurs during school sponsored activities, parents may be faced with a significant financial burden. Even parents with primary medical coverage in place now face increasing health plan deductibles, co-pays and out-of-pocket expenses, on top of the emotional and financial challenges associated with a child’s injury.  Turning to the school for help alleviate the cost associated with the incident.

This is why it is so critical for schools to consider having solutions in place to react to such incidents.  Contact us for more information on proper risk management and protection for your district.

If your District does not carry Student Accident coverage, claims can be filed against your general liability policy. This will directly affect your experience and increase your premium.

Our team of Student Accident & Claim Advocates will help you take care of your students

Contact Sheila Gilroy for more informationGilroy,Sheila09_4867.jpg