Participant Accident Insurance
Participant accident insurance is specifically tailored to support community or participants involved in an organization’s supervised and sponsored activities and events.
What is Participant Accident Insurance?
Participant Accident Insurance covers medical expenses arising from accidents incurred during an organization’s supervised and sponsored activities, as well as providing financial support in the tragic event of accidental death and severe injury.
Coverage options can be tailored for any duration, up to a full year up to 364 days.
Coverage for Non-Profits and Charities
These entities rely heavily on volunteers. Since they are not employees, they are not generally covered by traditional workers’ compensation insurance. Participant accident insurance is vital for helping to protect these crucial contributors.
Arch Insurance provides coverage for a wide range of non-profit organizations, including:
- Arts & Cultural Organizations
- Community & Economic Development Organizations
- Community Kitchens
- Domestic Violence & Child Welfare Organizations
- Educational Groups
- Environmental Groups
- Food Pantries
- Health & Wellness Groups
- Human Rights & Humanitarian Organizations
- Religious Organizations
- Social Services Organizations
- Many Other Groups
Participant Accident Insurance For Non-Profits
Coverage for Youth & Amateur Sports
Injures are common in sports, and having the right coverage can help assist with medical bills, co-pays and even rehabilitation. Covered activities include practices, games, tournaments, or even a full season. Group coverage may be available for sports camps, teams, and leagues.
We cover a range of sports including:
- Baseball
- Basketball
- Cheerleading
- Figure Skating
- Football
- Gymnastics
- Hockey
- Lacrosse
- Soccer
- Softball
- Swimming
- Track and Field
- Volleyball
- And many more!
Coverage for Youth Camps and Child Educational Centers
Children may be especially prone to accidents and injuries as they learn to navigate the world around them. With participant accident coverage, youth camps and child educational centers can help protect both their kids and volunteers, in case an accident happens.
Arch can provide coverage for a variety of campers and child educational centers, including, but not limited to the following:
- Child Education Centers
- Child Development Centers
- Nursery Schools
- Saturday Education Programs
- Preschool
- After-school programs
Participant Accident Insurance For Camps and Child Educational Centers
Participant Accident Plan Features and Benefits
Arch’s Participant Accident plans may include these key benefits, including coverage for:
- Accidental Death & Dismemberment: Should a tragedy occur, having the right protection can make a different for participants and their families.
- Accidental Medical Expenses: If medical attention is needed as a result of an accident, this benefit can provide help for medical bills, co-pays and deductibles, and other out-of-pocket expenses.
Why Choose Arch for Participant Accident Insurance?
- Innovative Underwriting: Our underwriting and product development teams employ creativity and analytical rigor to develop solutions that meet unique organizational needs.
- End-to-End Solutions: From underwriting to claims and customer service, Arch offers a seamless insurance experience.
- Tech-Driven Transparency: Our investment in technology ensures an accessible and transparent process for clients
- Award-Winning Customer Service: Our well-tenured, continuously trained customer service team is dedicated to providing exceptional support.
- Solid Financial Backing: Arch boasts impressive financial strength, verified by top-notch ratings from credit rating agencies like AM Best, Fitch, and Moody’s.
Frequently Asked Questions
Can the Accidental Death Benefit be payable in addition to other policies (such as life, or workers comp)?
Yes, the accidental death benefit may pay out in addition to other policies.
How long does coverage last after an accident?*
Participants and volunteers have benefits for up to 1 year from the date of the covered accident. The first covered expenses must be incurred within 90 days after the covered accident.
Is the accident medical expense benefit paid on a primary or excess basis?
Accident medical expense benefits are paid in excess* of any other health care plan held by the insured.
Are there any exclusions or limitations to this policy?
Some exclusions include self-inflicted injuries, war-related events, experimental treatments, and injuries under the influence of substances apply to this coverage. For a comprehensive list, please refer to your policy.
*May vary by state.
Get A Quote
Get a quote from Arch Insurance’s Accident and Health division for coverage relating to accident, disability and travel insurance products.