Court-Ordered Community Service &
Inmate Work Release Insurance
What is the coverage and why is it necessary?
An Accidental Death & Dismemberment + Medical Expense policy provides coverage if an offender is injured, killed, or dismembered while performing duties which are assigned by the County or Sheriff.
Coverage can be tailored to persons who are fulfilling court-ordered community service requirements, or trustees of the jail who have been granted a “hall pass” to work in the community. For policies tailored to court-ordered community service, some courts build an “insurance fee” into the court costs; this assists in paying for the cost of the insurance policy.
A catastrophic event can take place suddenly and without warning. Coverage is often limited, or non-existent, leaving a liability exposure to the Sheriff or County. Take a look at the two examples below.
Two teens are fulfilling their court-ordered community service hours by picking up trash on a local highway. Suddenly, a truck veers onto the shoulder, striking both. One teen is killed and the other is critically injured.
A trustee is clearing brush at a local park. He reaches down to pick up a branch when he is bitten by a rattlesnake.
The Sheriff or County can reduce their liability exposure by purchasing an Accidental Death & Dismemberment + Medical Expense policy. Benefits are paid when an Eligible Person is injured, killed, or dismembered while performing acts within the scope of their county-assigned duties.
Sample Coverage Benefits
CLASSES OF ELIGIBLE PERSONS:
Class 1: All court-ordered volunteers of the Policy holder who are fulfilling
their court-ordered community service requirements.
POLICYHOLDER: SAMPLE COUNTY BOARD OF COUNTY COMMISSIONERS
POLICY NUMBER: PTP N0012345
PLAN BENEFITS & COVERED ACTIVITIES:
Accidental Death & Dismemberment Benefits:
Principal Sum: $10,000
Accidental Medical Expense Benefits:
Benefit Maximum: $25,000
Maximum Benefit Period: 365 days from the date of the Covered Accident
Incurral Period: 90 days from the date of the Covered Accident
Co-insurance Rate: 100% of the Usual and Customary Charges
Maximum for Dental Expenses:
(Injury Only): $250 per tooth per Covered Accident
SAMPLE PREMIUM RATE: $6,125.00 per Policy Term