Class Instructors registered in the program by the Agency, who teach or lead virtual or in-person classes or programs that are promoted, organized, conducted, and supervised by SCMAF Member Agency are eligible.

NOTICE
Please view the current SCMAF Approved Recreational Class List link below. Certain activities are not eligible for coverage in this program. We reserve the right to decline any request for coverage. Contact our office with any questions or if the activity you desire coverage for is not reflected on your current list of approved activities. Please allow 5 business days for approval of such submissions pending receipt of all required information regarding the activity from your office. Once approved certificates take 1-3 business days to be processed.

COVERAGE IN 2025:
General Liability coverage is insurance that covers claims arising
from damage or injury caused by negligence or acts of omission by the insured. In addition to the $1,000,000 per Occurrence / $5,000,000 General Aggregate General Liability coverage, the program provides $5,000 Excess Accident Medical coverage for all instructors and students with a $0 deductible per claim. Additional benefits of the program are recognized on the certificate of insurance. See the link below for more details on 2025 Policy Limits.

• Individual Instructors and Affiliate Members: $4.00 per participant, minimum 5 participants plus the instructor each session. SCMAF membership is required.
• SCMAF Instructor Membership for a single agency of $35 a year is required.  Affiliate Membership is required for classes offered by multiple agencies. Affiliate Member dues are $75 per year.
• Agency Members:  $3.75 per participant per session. SCMAF membership is required.
• Rush/ Late Fee: $25 All certificate requests must be submitted before the effective date of the activity. 

Optional Coverages
NEW- Sexual Abuse and Molestation (SAM): 
Available upon request for Agencies with a cost of $100 per member (instructor) for each calendar year, which is good for that entire location. Sexual Abuse and Molestation endorsements are charged per member/activity request. Note: Waivers and additional insureds are only issued as required by a written contract between the member and the additional insured/location.

Waiver of Subrogation/ Primary & Non-Contributory: 
Available upon request for Agencies with a cost of $135 per member (instructor) for each calendar year, which is good for that entire location. Waiver of subrogation endorsements is charged per member/activity request. Note: Waivers and additional insureds are only issued as required by a written contract between the member and the additional insured/location.

• Hired and Non-Owned Auto: Available upon request for Agencies with a cost of $115 per member (instructor) for each calendar year, which is good for that entire location. 
• Excess Liability Insurance. Each Extra $1,000.000 per Occurrence is available at an additional cost. Contact the SCMAF office. 

INVOICE/REFUNDS: 
A class is a single subject/activity for which participants are registered for a designated period. Each new enrollment or commencement date will constitute a new class. In the case of ongoing enrollment classes, the date of coverage will begin with the first date of SCMAF Recreation Insurance Program registration and continue to the next sign-up period (maximum of 12 weeks). The number of participants will be defined as the number of individual students who have or will enroll in any given class. For ongoing classes for open enrollment, individuals signing up for classes in a given calendar year will be counted, even if an individual only signs up for and attends one class period. Note: Sports programs of instruction and sports clinics and camps are eligible under the heading of sports development/instructional only.

Payment may be included with the registration forms or an agency may request an invoice from SCMAF. All invoices will be due within thirty (30) days from Agencies.

All Agencies enrolling in the SCMAF Class Insurance Program must provide:

• Completed Application (See Link Below).
• SCMAF Membership application for individual instructors (Independent Contractors)
• Agency Class Brochure or Catalog with class titles, name of the instructor(s); start and end dates for the class; days and times of the class; location of the class.
• Projected the number of students enrolled in the classes.
• A sample copy of the class instructor contract or agreement.
• Copy of the participant liability waiver form in use for the class.
• Proof of background check from either the city where the class is being held or a credible company of background check.   The policy includes coverage for sexual abuse and molestation. The carrier requires clean background checks on every individual affiliated with approved activity. They can only be insured if the background check comes back clean with no records.

PLEASE NOTE:  Only instructors that have completed a background check and have implemented sexual abuse and molestation training for their classes or camps will be eligible for the $1,000,000/$2,000,000 of Sexual Abuse and Molestation Coverage that is part of this policy.

1. Have you completed a background check on any staff members including yourself?   _____YES   _____NO
2. Have you or your organization implemented sexual abuse and molestation training to safeguard against abuse? _____YES   _____NO
3. Do you have parents sign a waiver for your class or camp?  _____YES   _____NO

*If you answered “no” to any of these questions, you may still obtain liability and excess accident insurance coverage; however, Sexual Abuse and Molestation Coverage of $1M/$2M will be excluded from the policy.

• To qualify for SAM coverage, please visit SAFEGUARD FROM ABUSE. http://www.safeguardfromabuse.com/

WAIVERS:
All participants in classes insured under the SCMAF Class Insurance Program must have signed a waiver of liability and release form with the participating agency. The waiver and release form MUST release and indemnify SCMAF.

1. Have you completed a background check on any staff members including yourself?   _____YES   _____NO
2. Have you or your organization implemented sexual abuse and molestation training to safeguard against abuse? _____YES   _____NO
3. Do you have parents sign a waiver for your class or camp?  _____YES   _____NO

*If you answered “no” to any of these questions, you may still obtain liability and excess accident insurance coverage; however, Sexual Abuse and Molestation Coverage of $1M/$2M will be excluded from the policy.

AUDITS:
As SCMAF does not require that the class roster or class registration be included with the forms, SCMAF retains the right to audit the enrollment records of any classes registered in the SCMAF Class Insurance Program.