Insurance 4 A Day Worksheets

Insurance Activities

Insurance Activities

INTERACTIVE: Auto Insurance Comparison Shopping

In this activity, students will be able to:

  • Discover the different car insurance policies and associated rates
  • Compare car insurance rates and coverage
  • Analyze the factors that determine car insurance rates for individuals

ANALYZE: Should I Insure This Group? (Sp)

In this activity, students will be able to:

  • Analyze a group of people to determine their financial risk as a potential insurance pool.
  • Determine whether a group of people is likely to be a successful insurance pool (based on pool demographics, available data and payment of premiums).
  • Available in English & Spanish

COMPARE: Car Insurance Comparison Shopping (Sp)

In this activity, students will be able to:

  • Evaluate the pros and cons of different levels of car insurance.
  • Choose the best car insurance policy from multiple, competing policies.
  • Describe the financial impact of different types of accidents depending on the type of policy they hold.
  • Available in English & Spanish

COMPARE: Personal Risk Factors (Sp)

In this activity, students will be able to:

  • Complete a risk profile of an individual.
  • Explain how different types of insurance companies might perceive the risk potential of different individuals.
  • Available in English & Spanish

COMPARE: Select a Health Insurance Plan

In this activity, students will be able to:

  • Find health insurance plans from a variety of sources (through an employer’s plan, staying on their parent’s plan, buying directly from an insurance company, or buying through the health insurance marketplace).
  • Choose the health insurance plan that best fits their needs.

COMPARE: Types of Car Insurance (Sp)

In this activity, students will be able to:

  • Identify the different types of car insurance using their descriptions.
  • Determine the appropriate type of car insurance to cover damages in given scenarios.
  • Available in English & Spanish

COMPARE: Types of Health Insurance Plans (Sp)

In this activity, students will be able to:

  • Describe how different types of health insurance plans divide costs between the insurance company and the insured individual.
  • Describe the difference between an HMO, PPO and POS health insurance plan.
  • Available in English & Spanish

INTERACTIVE: Premiums and Worker Contributions for those with Employer-Sponsored Coverage

In this activity, students will be able to:

  • Compare premiums and worker contributions for different areas of the country and personal circumstances
  • Track trends in premiums and worker contributions over time
  • Analyze trends in premiums and worker contributions to propose solutions

READ: A Car Insurance Policy (Sp)

In this activity, students will be able to:

  • Explain the most important elements of insurance policy.
  • Describe the information contained in the Declarations page of an insurance policy.
  • Use a sample Declarations page to identify key information about the policyholder and the terms of a policy.
  • Use a sample Declarations page to answer scenario-based questions about what an insurance policy covers.
  • Available in English & Spanish

ROLEPLAY: Completing an Car Insurance Claim

In this activity, students will be able to:

  • Describe the proper steps to take immediately following an accident to ensure a successful insurance claim.
  • Practice conducting role play conversations to prepare them for difficult situations during and following a car accident.
  • Complete a claims worksheet to ensure they record the proper information to file a successful car insurance claims.

Car, Van & Motorhome

Learner Drivers

Temporary Car Insurance from Dayinsure

At Dayinsure, we provide excellent value temporary insurance for cars, vans and motorhomes, as well as cover for learner drivers. Short term car insurance offers a flexible way to insure a vehicle for the exact amount of time you need to be covered, anywhere from one hour to 30 days. This provides a cheap and reliable way to take out daily car insurance.

All our temporary car insurance policies are underwritten by Aviva, the largest insurer in the UK. Including business use, free legal expenses cover, with no impact upon your No Claims Discount (NCD) on an annual policy if you do have a claim, all temp car insurance options deliver high quality cover.
If you’re after a cost-effective way to get van, motorhome or short term car insurance in the UK, then request a temporary car insurance quote and apply online with us.

Short Term Car Insurance Uses and Benefits

There are many situations where flexible temporary car insurance is extremely useful. These include:

  • Test driving a car.
  • Borrowing a van to move house.
  • Driving a car or motorhome to go on holiday.
  • Making a business trip, to visit a client or conference.
  • In an emergency where you have to take over the driving.

There are many other uses of temp car insurance and we accept full UK, EU, EEA, Australian, New Zealand, South African and Swiss licences to apply. So, if you’ve got friends and family visiting who require daily car insurance, they can easily get covered.

We offer a fast and cheap solution to arrange temp car insurance. Request a temporary car insurance quote and book online to ensure you are covered for the specific period of time you require. You’ll need to enter your details and the vehicle registration number before selecting when and the number of days cover you need to book short term car insurance in the UK online with Dayinsure.

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Event Liability Insurance

Celebrate Safely with Event Liability Insurance

A special event can be anything from a wedding to a multi-day festival involving food sales, alcohol sales, amusement rides and auto races, rodeos, athletic contests and parades. Whatever your event, chances are that your regular insurance program will not cover these exposures. You need special event insurance that is designed to cover your particular activities.

Contact a member of the Trusted Choice® network of independent agents who can help you obtain the coverage you need. A member agent can provide several event liability insurance quotes for you to compare so you can find the coverage you need at a price you can afford. Find an agent in your area today.

Insurance for Everyone.

Data on Special Events

  • According to the Department of Labor, there are 70,480 professional event planners in the U.S.
  • Party and event planners spent over $6 billion in 2012
  • In addition, tens of thousands of events are planned by non-professionals every year

What Is Event Liability Insurance?

A special event can be as simple as a birthday party or as complex as a month-long state fair. If you are planning a special event, you need to check with a professional insurance agent to determine what coverage, if any, may be provided by your existing insurance and what additional special event insurance you will need to carry. You should obtain insurance for events well before the time it is needed, as the process to underwrite this kind of coverage can be complicated and lengthy.

Special events can involve a many different exposures:

  • Automobile liability
  • Liquor liability
  • Aircraft liability
  • Spectator liability
  • Products liability
  • General premises liability
  • Animal liability
  • Liability for rented or loaned property
  • Damage to owned property
  • Medical malpractice if you have a first aid station

Standard personal or commercial policies will not cover all these exposures. In most cases you will find that you are better off having event liability insurance that is specifically tailored to cover your situation.

A Trusted Choice member agent can help you compare event liability insurance quotes from multiple companies so that you obtain the private event insurance that is right for you at a price that works in your budget.

How Much Does Special Event Liability Insurance Cost?

The cost of special event insurance for a one day, non-hazardous event can cost as little as a few hundred dollars. The longer the event takes place and the more activities you plan, the higher the price for insurance will rise. Here is the kind of information an underwriter will want to have available in order to price your special event insurance:

  • The nature of the event
  • The length of the event
  • The location of the event
  • A list of all activities planned
  • The number of participants expected
  • What are the provisions for crowd control?
  • Will liquor be served or sold?
  • Are there any amusement rides?
  • Are there activities that can involve injury to spectators?
  • Are vehicles or other motorized equipment involved?
  • Is food to be provided or sold?
  • Are outside vendors involved and will they provide proof of their own insurance?
  • Who is running the event and what experience have they had?
  • Are there any prior claims if the same event has been held previously?
  • What limits of liability are requested?

If you are planning to rent a facility for the event, the owner may require that you purchase special event coverage as a condition of the rental. In many cases, the owner will want to be an additional named insured on the policy.

It takes an expert to know what information is needed and which carriers to approach for a quote. An independent agent in the Trusted Choice network can give you the professional advice you need.

Special Event Liability Insurance for Weddings and Concerts

Weddings and concerts are two of the most common special events. A private wedding in a church with a reception on the grounds will not normally require special event insurance. However, if your wedding is a more elaborate event in a rented facility, you may have to purchase a special events insurance policy.

You should take extra caution if your event involves alcohol. Liquor liability laws vary from state to state. However, it is very possible that if you provide alcohol to a guest or participant at your wedding and that person later is responsible for an accident, you could have some legal responsibility. If you do provide alcohol, the safest thing to do is to be sure your special event insurance includes this exposure.

Concerts can vary from small, one-time events to large, elaborate affairs involving thousands of spectators. Some concerts involve fireworks which can and have caused serious injuries and large legal claims. Large events can also involve issues having to do with crowd control. Crowd control is a challenging issue for concert organizers to deal with. Too little crowd control can cause injuries to spectators and potential liability risks, but too much crowd control can be just as problematic and could also cause you to face a lawsuit if a patron was handled roughly by a bouncer, for example.

Whether you’re a professional wedding planner or a concert organizer, or you’re just an average person putting together a great event, make sure you speak with an experienced insurance agent first. Independent agents in the Trusted Choice network can make sure that you are covered for any liability claims related to your wedding or concert.

Who Needs Festival Insurance?

A festival can be anything from a bake sale in your church parking lot to a large music festival like Lollapalooza. The longer the event, the more activities and the more participants involved, the more likely it is that you’ll need private event insurance. In many cases, you will be required to provide evidence of special event insurance to a third party, like the church administrator for the church parking lot bake sale, or the Parks and Recreation board for a music festival.

If you are planning such an event, contact a Trusted Choice member agent to be sure you obtain the insurance coverage you need. An independent agent can make sure that you understand the risks of all the aspects of your festival, and can find you coverage to protect you from any exposure to liability lawsuits or loss.

What Is One Day Event Insurance?

One-day events, like a 5K run or a food truck festival, still take a lot of effort to organize. Depending on the events you plan and the vendors you use, you may still have a lot of insurance risk to juggle. If you have vendors at your event, make sure you know if they have proof of insurance to operate at the site. Similar to a wedding or a concert, be sure that you have insurance to cover your exposure, like liquor liability insurance.

Even if you’re planning a short event, you still face risks. It’s important to talk to an experienced insurance professional about the details of your one-day event beforehand. One injured person or one piece of valuable property that is damaged can lead to significant legal liability risks for you as the event planner. If you are the person responsible for the event, do not risk your assets and peace of mind by not obtaining the proper special event insurance.

Obtaining Special Event Liability Insurance Quotes

Special events come in all shapes and sizes. The one thing they share in common is the risk of injury to a person or damage to property. A properly written special event insurance policy is a must-buy item to protect your bottom line.

It can be difficult to search for event liability insurance quotes on your own. Navigating websites and calling around to agencies takes a lot of time that you might not have to spend on research. Fortunately, an independent agent in the Trusted Choice network can help.

Independent agents work with many insurance companies, not just one, so it’s easy for them to pull together several quotes for you to compare. You’ll be able to do apples-to-apples comparisons for the insurance you need for your special event. Contact a Trusted Choice member agent to be sure you obtain the coverage you need at a price you can afford.

Special Events (Non-Sports) Insurance

Liability Insurance for weddings, receptions, trade shows, concerts, festivals, conventions, graduations, and more.

Instant Online Quote in 5 Seconds Offers Broad Coverages at Savings Up to 38%

If you are a vendor/concessionaire and are not directly hosting the event, visit our Vendor / Concessionaire website for coverage information and rates.

LIABILITY LIMITS (higher limits available)

Plan A: Limited Special Event: Invitation Only Events, Single Day Coverage, 500 or less attendees


Plan B: Standard Special Event: Open-to-the-public, Private Events, One or more coverage days, up to 3,000 in attendance.


  • Premium is fully earned at inception and non-refundable
  • Liquor Liability and Medical Payments to Participants available. See application for details.

Eligibility Criteria

  • Maximum total attendance per event is 3,000 or less. (If the attendance is over 3,000 for an event, please download the printable application that can be submitted)
  • Maximum number of consecutive event days (not including set-up or tear down) is 10.
  • Event is held at a single location.
  • Event must take place in the United States.
  • Available 01-01-2018 to 12-31-2018.
  • No charge for Additional Insureds
  • Premium is fully earned at inception and non-refundable
  • ALL APPLICANTS: A $15 RPG fee is required by the carrier for all applications. An RPG fee provides group purchasing power for similar risks resulting in potential advantageous coverage terms, competitive rates, risk management bulletins, and rewards for favorable group loss experience.
  • Coverage is provided by a carrier rated A+ (Superior) by A.M. Best Company.

Eligible Events

  • After-prom parties (school-sponsored event only)
  • Auctions
  • Award ceremonies
  • Balls/dances
  • Banquets
  • Bar/Bat Mitzvahs
  • Bazaars
  • Bingo games (charity/fundraising only)
  • Book signings/Card games/events (charity/fundraising only)
  • Car washes (charity/fundraising only)
  • Casino events (charity/fundraising only)
  • Car/motorcycle/RV/boat shows (static display only)
  • Celebrations (holidays, graduations, grand openings)
  • Chamber of Commerce business events/mixers
  • Charity events
  • Chess events
  • Christmas lighting ceremony
  • Christmas caroling (single location)
  • Cooking contests
  • Concerts (other than techno/DJ, alternative, rap or hip hop.) Not available for online purchase, please download a printable application for submission.)
  • Conventions
  • Debuts or debutante balls
  • Dinners, luncheons, showers
  • Direct selling consultant parties
  • Easter egg huts
  • Festivals
  • Film screenings/showings
  • Farmers markets
  • Flea Markets
  • Graduation ceremonies
  • Job fairs
  • Lectures
  • Meetings
  • Memorial services
  • Parties
  • Poetry readings
  • Picnics (no in or on water activities)
  • Pageants
  • Proms
  • Quinceanera
  • Reunions
  • Religious events
  • Recitals (dance, music)
  • Sales (bake, charity, consignment, estate, garage)
  • Social gatherings/receptions
  • School band or dill team competitions
  • School carnivals (no rides/inflatables)
  • Speaking engagements
  • Showers (baby, bridal, etc.)
  • Shows (animals-arena setting only antique, art, baby, business, collector, consumer, craft, fashion, flower, garden, home, stage, wedding)
  • Talent search/shows (children only)
  • Telethons
  • Theatrical performances or musicals
  • Walking tours (garden, holiday, parade of homes, historical sites: single location)
  • Wedding activities (rehearsal, ceremony, reception)

Ineligible Events

Certain event types are not eligible for coverage by this program. We reserve the right to decline any request for coverage. Operations not eligible for this program include, but are not limited to the following:

  • Activists rallies/marches/protests
  • Air shows / events
  • Animal obedience training
  • Any events involving organized athletic events and competitions
  • Balloon Festivals
  • Bonfires
  • Cannibas related events
  • Christmas tree sales / lots
  • Circuses
  • Cinematography an photography for commercial use
  • Color or foam party
  • Dance Competition
  • Any events held on airport premises
  • Any events and/or concerts involving rap, hip-hop, heavy metal or electronic music
  • Eating contests
  • Any events honoring national/local celebrities or professional athletes
  • Fraternity/Sorority events (unless reported and approved by us)
  • Geocaching events
  • Gun/knife shows
  • Any event providing overnight accommodations.
  • Battle reenactments
  • Haunted attractions / events
  • Health Fairs / expositions
  • Any events involving In or On Water activities
  • Mazes (corn, hay or fence)
  • Pumpkin chucking events
  • Parades (or any event involving a parade)
  • Political events (except private fundraising auctions, benefits, dances, dinners)
  • Raves
  • Rodeos
  • Seances
  • Tractor pulls
  • Tailgating events
  • Union meetings
  • Walks/running events
  • Events involving any motorized vehicle(s) in, or while in practice for, or while being prepared for, or while qualifying for, or while testing for any racing, speed, demolition, distance, or stunting activity.

Notable Exclusions : Please print the application for additional exclusions contained in this policy.

Coverage Effective Dates and Certificates of Insurance

  • Coverage can be effective once your fully completed application and check for the full premium amount is received at Sadler & Company.
  • Please print application for a detailed description of coverage.


Visit our Risk Management page to access the following important content most applicable to cheer schools/gyms:

Before You Sign The Facility Lease Agreement

Collecting Certificates of Insurance From Vendors

This is not an all inclusive list, check out our Risk Management page for other articles, programs, videos, and forms.

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