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Accident Insurance.

What is Accident Insurance?

Accident Insurance pays claims for injuries and fatalities caused by covered accidents which would not typically fall under Workers' Compensation (WC), Temporary Disability Insurance (TDI) or individual health insurance.

This coverage is best suited for participants and volunteers involved in amateur sports, educational, non-profit, and niche-oriented organizations. A standalone Accident Policy can help to lower the frequency of General Liability claims, including volunteers and participants, potentially reducing costs for an organization. 

Participant Accident Insurance

  • Provides benefits for group participants and volunteers accidentally injured in policyholder activities. Benefits may be used to help cover the cost of health insurance deductibles, co-payments and other out-of-pocket expenses resulting from a covered accident.

Travel Accident Insurance

  • Covers employees, students, independent contractors or participants whenever they travel on behalf of the company or organization – whether they are crossing the street for a meeting or traveling internationally for a sponsored activity.


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"Thank you. You were amazing. You helped me through difficult times that were not even your responsibility."

HEMIC Claimant, May 2023

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