​AB 506 Insurance Requirements

 

"In order to be insured, AB 506 calls for insurance carriers to check for background checks and mandated reporter training requirements before issuing general liability insurance coverage to youth service organizations.  The specific text of AB 506 states:

 

“Before writing liability insurance for a youth service organization in this state, an insurer may request information demonstrating compliance with this section from the youth service organization as a part of the insurer’s loss control program.”

 

Please note that this is not a requirement of insurance agencies.  Rather it is a call for them to do so.  Should your insurance carrier request such information as part of their coverage process, your organization should be prepared to demonstrate compliance.  Your insurance carrier will likely have its own requirements regarding what will need to be provided to demonstrate compliance."

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​Are SVSBA Bands subject to AB-506?

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Recent interactions with Insurance carriers and public school districts where SVSBA bands rehearse and perform have indicated that an SVSBA band is a "Youth Service Organization" and subject to AB 506 if one, or both, conditions exist:

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1. The band has musicians under the age of 18

2. The band rehearses or performs at public educational facilities where the district has mandated high limits of Sexual Assault and Molestation (SAM) insurance coverage. 

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Please refer to the AB 506 reference documents listed below on what a Youth Service Organization band is required to do to comply with AB-506 and the insurance companies providing SAM coverage.

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AB 506 and Insurance Guides and References​

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• Slide presentation from October 6th Insurance Committee Forum

• Meeting notes from October 6th Insurance Committee Forum

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• California Assembly Bill 506 (effective Jan 1, 2022)

• AB 506 Explained

• AB 506 Information Guide

• SVSBA Member Bands Insurance Status FY 2024-25​

• Sacramento State Insurance Requirements - Youth Serving Band

• Sacramento State Insurance Requirements - Adults Only Band

• Insurance Carriers that will work with non-profits (source: Facilitron)

• Insurance Carriers offering Stand-alone S.A.M. Coverage (source: Roseville City School District)

• Schools Insurance Group (Where Roseville Community Band got SAM coverage)

• Abuse Questionnaire (source: GAIC)

• Mandated Reporter Training for Volunteers

• DOJ Fingerprint Background Checks

• DOJ Fingerprinting Fees

• DOJ Live Scan Locations

• DOJ Custodian of Records

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