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Delta Kappa Gamma
Affordable insurance options for individual members and chapters.
As an educator, it’s an unfortunate fact that you are at increased risk of liability for wrongful acts in the course of your everyday work duties.
At AIM, our Delta Kappa Gamma insurance program is tailored to the needs of individual educators, chapters and state offices — ensuring you are protected by comprehensive coverage.
Educator
AIM offers DKG members an Educators Error & Omissions Policy for $55 annually, designed to meet your specific needs.
Visit the Educators Professional Liability page to learn more.
Chapter
Your chapter is run like a small business and proper insurance coverage is essential to any business. We make is easy and very affordable for you to obtain coverage, including General Liability with Accident Medical, Directors and Officers Liability, Bonding and Property Insurance.
Event Insurance (General Liability) coverage protects you from lawsuits if someone was injured at one of your organization’s activities and held you responsible.
The liability limit for a lawsuit is $1,000,000 or $2,000,000, with no deductible. Some activities covered include skating parties, fall carnivals, bounce houses, dunking booths, fun runs, auctions and more. Injuries resulting from transportation are not covered.
General Liability coverage also has a separate component that gives insureds access to a minimum of $5,000 in medical payments even if no lawsuit has been filed for injuries sustained at one of your organization’s activities.
A Medical Payments limit of $5,000 is included in every General Liability Policy. Options for increased Medical Payments limit are $10,000, $25,000, and $50,000, with no deductible.
Media Liability- We also offer Social Media Liability Coverage as a supplement to your General Liability policy. This coverage is designed to protect you from liability in the event you accidentally misuse or disclose information on your website or other social media site. This includes misuse of the logo, copyright, pictures, confidential information and other misrepresentations or misappropriations.
Embezzlement Insurance (Bond) coverage protects your money. It covers anyone who your organization trusts with the money whether it’s a President, Treasurer, board member, volunteer or courier. If that person embezzles (runs off) with your money, this coverage would replace those missing funds. Standard bond limits are $10,000, $25,000, and $50,000, with a $250 deductible.
(Higher limits are available; Contact AIM for pricing)
The Business Personal Property (Inland Marine) coverage protects your raffle merchandise, auction items, and fundraising supplies while these items are in your possession. This coverage also protects any personal property of your organization such as popcorn machines, snow cone makers, school store supplies, emergency relief supplies, and more. The Inland Marine coverage limits are $10,000, $25,000, and $50,000, with a $250 deductible.
Professional Liability (Officers Liability) coverage protects the organization from lawsuits for “wrongful acts.”
If someone sued the officers of your organization for mismanagement, misrepresentations, dissemination of false or misleading information or inappropriate actions, this coverage would pay to defend you.
This coverage is also referred to as Directors and Officers Liability (D&O). The coverage limit is $1,000,000 with a $0 deductible.
State
Overseeing educators and chapters at a state level is no easy task and can create a good deal of risk for your organization. We offer general liability and accident medical, directors and officers liability, bonding and property insurance – all tailored to meet your needs.
Please contact AIM directly at 1-800-876-4044 for pricing on all state level accounts.
Event Insurance (General Liability) coverage protects you from lawsuits if someone was injured at one of your organization’s activities and held you responsible.
The liability limit for a lawsuit is $1,000,000 or $2,000,000, with no deductible. Some activities covered include skating parties, fall carnivals, bounce houses, dunking booths, fun runs, auctions and more. Injuries resulting from transportation are not covered.
General Liability coverage also has a separate component that gives insureds access to a minimum of $5,000 in medical payments even if no lawsuit has been filed for injuries sustained at one of your organization’s activities.
A Medical Payments limit of $5,000 is included in every General Liability Policy. Options for increased Medical Payments limit are $10,000, $25,000, and $50,000, with no deductible.
Media Liability- We also offer Social Media Liability Coverage as a supplement to your General Liability policy. This coverage is designed to protect you from liability in the event you accidentally misuse or disclose information on your website or other social media site. This includes misuse of the logo, copyright, pictures, confidential information and other misrepresentations or misappropriations.
Embezzlement Insurance (Bond) coverage protects your money. It covers anyone who your organization trusts with the money whether it’s a President, Treasurer, board member, volunteer or courier. If that person embezzles (runs off) with your money, this coverage would replace those missing funds. Standard bond limits are $10,000, $25,000, and $50,000, with a $250 deductible.
(Higher limits are available; Contact AIM for pricing)
The Business Personal Property (Inland Marine) coverage protects your raffle merchandise, auction items, and fundraising supplies while these items are in your possession. This coverage also protects any personal property of your organization such as popcorn machines, snow cone makers, school store supplies, emergency relief supplies, and more. The Inland Marine coverage limits are $10,000, $25,000, and $50,000, with a $250 deductible.
Professional Liability (Officers Liability) coverage protects the organization from lawsuits for “wrongful acts.”
If someone sued the officers of your organization for mismanagement, misrepresentations, dissemination of false or misleading information or inappropriate actions, this coverage would pay to defend you.
This coverage is also referred to as Directors and Officers Liability (D&O). The coverage limit is $1,000,000 with a $0 deductible.
Whether you are an individual educator or are looking to protect your chapter or state organization, you can trust the professionals at AIM to provide you with the ideal solution for your unique insurance needs.
Understand what you need to insure your organization.
Perfect for reviewing at your next meeting!
Download our Group Insurance Buyers Guide
Includes:
- Descriptions of coverage
- 10 things you should know
For additional details, download our complete insurance guide.