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SCHOOLS INSURANCE GROUP - ACTIVITIES/EVENTS MATRIX
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Schools Insurance Group (SIG) is a self-insured risk pooling program formed by and tailored specifically for its member K-12 public schools. As a participant in SIG's property and liability program, each District or County Office of Education has a responsibility to identify and manage risk. These event and activity guidelines and resources are provided as a tool to enable each member to identify and manage the potential risks involved. The interactve matrix below lists the level of risk for various activities and provides resources activities associated with each activity. SIG is here to support a safe and fun environment for staff, students, and our communities.
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SIG Risk Level FlowchartGREEN - Low level of risk
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YELLOW - Higher level of risk requiring additional supervision or oversight
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ORANGE - Higher hazard that requires prior review and approval from SIG and come with a higher deductible in the event of a claim
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RED - Activity is too great a risk and should not be undertaken
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In general, it is important to avoid using a vendor contract which contains a Hold Harmless Agreement or other wording that states the school will be held responsible for additional liabilities of the vendor or subcontrator. Review all contractual arrangements with your legal counsel or use the SIG Independent Contractor Agreement to make sure that there is no agreements with such provisions. Separate nonprofit groups or clubs, or those that may have a separate Board of Directors-i.e. PTA, PTO, Booster Clubs, Foundations, and others, occasionally sign contracts that may place the District and the auxiliary groups at risk. As a reminder, effective July 1, 2025, auxiliary organizations are no longer covered under SIG’s MOC and must secure their own insurance.
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Below you will find links to documents to assist you in the top portion of the matrix. These documents include flowcharts, examples, guidelines, suggested venues, etc. Each individual activity is listed below in the color associated with its risk as explained above. Each activity has its own hyperlink to a folder containing an individual matrix of items usually required for this event, other general resources, or support documents for the event or activity.
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DISCLAIMER: This material is for informational purposes only. It is not intendend to give specific legal advice nor are any suggested checklists or action plans intended to inlude or address all possible risk management exposures or solutions. You are encouraged to consult legal advisors and other experts in order to develop a safety plan specific to your school and event circumstances.
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RESOURCES:All Risk Management Process Charts
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SIG Events EMAIL - Events@sigauburn.com
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SIG Activity Policy No. 2010 - July 2025
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SIG Risk Level Flowchart
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Pre-Approval Application Form
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Insurance Document Examples (COI-AIE-AIR)
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Individual Checklist/Matrix Descriptors
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Charter Bus Transportation Guidelines
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Sample Waivers/Permission Forms (samples for use/legal counsel review recommended)
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Wellness Activities/Events Insurance Documentation Information
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Cyber Safety Criteria (2025-26)
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Safety Credit Criteria (2025-26)
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District-Sponsored and Non-District Sponsored Events
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Facilities Use Agreement
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SIG Member Aquatics Supervision & Lifeguard Requirements for Aquatic Activities
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Description of Matrix LevelActivity or Event
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RED
EXCLUDED		RED activities are excluded under SIG's Activity Policy No. 2010 and will not be approved
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Red Level Matrix ItemsAircraft (in flight operations of)
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SIG Activity Policy No. 2010Motorized Vehicles/Watercraft in Speed Contest (i.e. Go Carts)
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Trampolines
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Non-motorized vessel (sailboats) 26' in length or greater and motorized vessels less than 26' (skiboats)
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Alcohol
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Bonfires
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Firework Displays (Aerial)
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ORANGE
HIGH HAZARD		ORANGE activities include higher deductibles as follows: 1) With SIG approval - double (2 times) a member's general liability deductible or 2) Without SIG's approval - $100,000 deductible. In addition, a safety meeting is required prior to event to establish authority and contacts, discuss safety protocols, and communicate what to do in the event of an accident or injury.
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Amusement Parks, Water Parks, Carnivals with Powered Rides
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Animals (SERVICE) - (approval not needed - time sensitive)
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Animals (classroom/therapy/emotional support/Conservation Ambassadors Wild Things)
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Baby Sitting/Child Care (on-site only with district supervision)
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Boating (some vessels excluded)
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Bungee Jumping*
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Transportation - any non-district contracted hire, i.e. charter service, limousine rental, van transportation (no 15 passenger vans)
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Darts/Dart Games* (metal tip)
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Dunk Tanks*
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Drone
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Fireworks Booth Sales
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Inflatables (slides or other inflatables) (no water*, bounce houses*, or sumo suits*)
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Monster Trucks
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Mountain or Rock Climbing* (indoor and vendor only)
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Overnight Field Trips
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Paint Ball
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Parades, Transporting Student in Open Vehicles or Trailers
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Ropes/Challenge Courses/Zip Lines - High
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Scuba Training or Activities
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Surfing Activities (Lessons or Contests)
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Velcro Walls, Human Cannon Balls (or any variations)*
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* These activities are not specifically excluded under SIG’s Activity Policy 2010; however, SIG considers these very high-risk activities and would strongly recommend members find alternative options.
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YELLOW
HIGH RISK		YELLOW activities include activities or events with enhanced levels of risk. This level of activity requires consultation with SIG staff to determine safe protocols and proactive risk management.
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Aircraft Demonstrations (no in-flight activities involving any students/staff)
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Animal Rides
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Beach Activities
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Camps (Day Camps) - Outdoor Enrichment and Science (low ropes only)
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Climbing Walls/Rock Walls -- Under 6 Feet
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Equestrian Activities/Horseback Riding (does not include Rodeo)
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Food Trucks/Snack Food Concessionaire
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iFly
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Interactive Video Games/Video Games Trailer
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Lake/Ocean/River Trips (Check with SIG for approved locations for chartered trips)
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Laser Tag
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Mountain Biking
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Petting Zoos / Reptile Shows
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Skating/Ice/Roller Skating and Skateboarding Parks (Check with SIG for approved locations)
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Snow Sports (skiing, snowboarding, cross country, snow shoeing)
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Sporting Events (i.e., attending Rivercats)
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Swim Classes
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Swim Party
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Wellness (exercise classes, workshops, demonstrations, massage, community runs)
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Year-End Celebrations (Prom/Sober Grad) - Offsite
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GREEN
LOWER RISK		GREEN activities are generally acceptable for members to organize as special events or as fundraising events
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Aerobics, Ballet, Gymnastics Exhibition, or Dance Classes
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Auction/Silent Auction
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Bake Sales
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Balloon Artist (no compressed gasses used, makes hats, animals, etc.)
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Band Concerts/DJ (hired)
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Bike Parade on Campus
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Bike Rodeo or Riding Exhibition
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Blood Testing or Donations (American Red Cross)
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Bowling
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Car Wash
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Carnivals Without Powered Rides and Amusement Vendors
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Dances
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Darts/Dart Games (Velcro only)
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Dinners (no alcoholic beverages)