Student’s Liability Insurance Plan

Appalachian State University requires professional and general liability coverage for all students enrolled in internships, field experience, practicum, clinical, and student teaching. Therefore, the University makes available a cost-effective policy for students to purchase. The premium for this coverage is added to each student’s account when registered for the class.

If the student is enrolled in a course not designated as an internship (INT), practicum (PRA), field experience (FLD), clinical (CLN), or student teaching (ST) but has an experiential component embedded in the curriculum, with students applying their skills on-site in a manner similar to internships, such courses will also carry the insurance requirement. The premium for this coverage is charged to each student’s account upon enrollment.

Coverage

Students who purchase this policy are provided coverage for an act, error or omission in the rendering or failure to render professional services in conjunction with their internship, field experience, practicum, clinical, or student teaching experience. This insurance will also pay the amount of damages (up to the coverage limits) on behalf of an insured party (the student) when a judgment is entered against the student for property damage, bodily injury, or personal injury arising out of their participation in the internship, field experience, practicum, clinical, or student teaching experience to which the policy applies.

Note: The professional and general liability policies do not include any personal health care coverage for the insured student’s personal injury. In other words, if a student injures themselves during an internship, the cost of medical care for that injury would need to be covered under the student’s personal medical insurance policy, not by the professional/general policy. Please contact your personal medical insurance provider for more information on coverage limits and exclusions.

Policy information

Coverage provided by: Liberty Insurance Underwriters, Inc.
Client number: 2626652
Policy number: AHV-103612009
Policy effective dates: 8/15/2026 – 08/15/2027
Cost per student: $12.00 per student for the academic year; effective dates indicated above

Please note: Since the policy year aligns directly with the academic year, students enrolled in more than one course requiring coverage in an academic year will be assessed the $12 fee only once in that academic year.

Certificate of Insurance (COI) coverage

Students: If your internship host has asked you to provide proof of insurance coverage, a Certificate of Insurance or a COI, contact your faculty internship coordinator for access.

Faculty: To request a Certificate of Insurance for your program or department, please contact Dana Sumner, 828-262-7002 or sumnerdf@appstate.edu.