Blanket Church Activities

This program covers all registered participants of an Accountholder/Policyholder Church activity . Participants are covered for injuries incurred while: traveling to and from (group travel only), participating in an accountholder/policyholder sponsored and supervised activity. The coverage is written on a mandatory basis.

Rates are on a per participant, per year basis.  Participation figures are based on the average weekly attendance.  High risk activities (Paintball, Mountain Climbing, Repelling, Spelunking, White Water Rafting and Canoeing, Wind Surfing, Jet Skiing, Scuba or Skin Diving, and Rodeo Participation) can be added for additional premium.

Adventure Sports include mountain climbing, rappelling, spelunking, whitewater rafting, whitewater canoeing, wind surfing, jet skiing, scuba/skin diving, rodeo participation and Paintball.

Snow Sports include downhill skiing, bobsledding, snowmobiling, snow boarding, tobogganing, and tubing.

Work Activities include remodeling, dry walling, plastering, roofing, plumbing, brick and block laying, electrical work, concrete work, and using scaffolds, ladders, and power or chain saws.

The Gross Premium and the Policy Administration Fee is due on or before the effective date for non-audited policies.  For audited policies, the Minimum Premium and the Policy Administration Fee are due on or before the effective date.  SMIC now accepts credit card payments.

Current accounts must use the enrollment forms sent with the renewal letters.

* Primary Coverage available only in Maryland.  All other states must have underwriter approval prior to binding.

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