[Carol]

Many independent teams have gotten their own policies. MOE 365 is covered under a policy that at first was just for the team, but now covers two FTC teams. (It used to cover the local FLL and FTC events, but there is a new AP in DE handling them that is affiliated with a college. It's complicated).

Anyway, I was involved in the initial process to get the insurance. We talked to a local independent insurance agency who handles a variety of policies with different companies. It's important to go to this type of agency; an agency that is affiliated with only one company (such as State Farm, GEICO) may not be able to write the policy you need. Talk to more than one and get quotes; it can differ. Our policy is through a local agency (New Castle Insurance Ltd.) but is written through a company called Great American Insurance who specializes in business policies.

Make sure your policy covers not just medical accidents to team members, equipment damage, but mentor liability too. Also coverage for auto for transporting team members to events.

It's not as complicated as it sounds. Talk to a professional and he/she can help.