Explainer + checklist
SAM Coverage Explained: Insurance Requirements for Youth Program Vendors
Districts now ask for sexual abuse and molestation (SAM) coverage, brokers speak in acronyms, and vendors lose contracts without knowing why. Here it is in plain language, with a COI checklist you can use before one broker call.
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What's inside
- Read this first
- The letter from the district
- SAM in plain language
- Reading your COI
- Talking to your broker
- Staying compliant: the renewal calendar
- Glossary
How to use this in 10 minutes
Read “SAM in plain language” and the annotated COI section, then pull your own certificate and mark it up the same way. The broker-call script at the end turns this into a 30-minute call that gets you compliant.
At a glance
Arielle Hammond, Ed.D.
Former K-5 principal; runs youth enrichment at 75+ school sites. Founder of enrops.
How it was made
District requirements vary; your district's written requirements control. Not legal or insurance advice.
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