Who is typically covered by blanket policies?

Blanket policies are designed to cover specific groups rather than individual members, making them particularly suitable for organizations with a mass of individuals who might experience similar risks. This coverage is often utilized by groups such as schools, religious organizations, camps, and recreational facilities, where the insurer provides coverage for all members of the group rather than requiring individual policies for each participant.

In contrast, individuals with high-risk lifestyles or personal accident victims usually require specific insurance plans tailored to their unique situations, as blanket policies do not typically accommodate individual assessments of risk. While companies may offer blanket policies as part of broader employee benefits, those policies are directed at groups and not considered individual coverage for each employee, which can create confusion when evaluating the applicability based on the answer choices. Therefore, the focus on groups like religious organizations and camps highlights the primary intent of blanket policies, which is to simplify coverage for many people under a single insurance agreement.