Special Risk Insurance

Arch Insurance offers specialty insurance for a wide variety of industries and organizations. 

Special Risk Groups

 From international travel to amateur sports and volunteer service, participants are exposed to potential risks that they may not have encountered otherwise. Arch’s tailored accident solutions provide financial support when injuries, illnesses, or cancellations disrupt planned activities.

Whether it’s a student studying abroad, an athlete competing, or an emergency responder on duty, accidents and injuries can happen anywhere. A sudden fall, a collision on the field, or an unexpected illness while traveling may lead to costly medical bills and disruptions. Our Participant Accident Insurance may help cover medical expenses, emergency care, and other unexpected costs, so individuals can focus on recovery instead of financial strain.

Non-Profits & Volunteer Groups

Non-profits may want to offer insurance to members who are participating in organization activities.

Scholastic Institutions

Schools from kindergarten to universities can use our products to help protect their students and faculty.

Youth & Amateur Sports

Help protect the players in your amateur sports league by offering them Arch Insurance.

ASSOCIATIONS

Bonafide Associations of all sizes and interests can help protect their members with accident insurance and other coverage from Arch.

Financial Institutions

Financial institutions can use Arch’s Insurance as a value-added benefit to their members and client base.

Religious Groups

Religious groups participate in many activities that may require accident protection and other insurance options from Arch Insurance.

Motor Clubs

Many activities organized by motor clubs create a need for accident protection and specialized insurance solutions from Arch Insurance.

Youth Groups

Arch Insurance provides accident protection and insurance options designed to support the diverse activities undertaken by youth groups.

Real-World Scenarios

AH Case Study Soup Kitchen Volunteer | Special Risks

Volunteer participant accident:

During a church-sponsored volunteer day at the local soup kitchen, Bill experienced a serious accident: a pan of hot oil was dropped on his arm. Bill was rushed by ambulance to the emergency room, where he received treatment for third-degree burns.

Bill underwent emergency treatment, with Accident Medical benefits helping with the unexpected expenses. His recovery would take time, but he was relieved to have support for his medical expenses.

AH Case Study Softball Slide | Special Risks

Individual Sports Accident

During a thrilling national youth softball tournament, Susan made a bold slide into third base, but the play took a turn when she injured her left leg. Rushed to the nearest emergency room by ambulance, x-rays revealed a fractured bone.
Susan received prompt medical treatment, including casting and follow-up care. Her Accident Medical benefits covered the expenses. During a lengthy recovery, Susan and her family were able to focus on her healing and returning to the game she loves.

AH Case Study Professor in Argentina | Special Risks

University Global Travel

A university professor traveled to Argentina for an academic symposium. After waking up with severe allergy symptoms and difficulty breathing, he realized he needed medical attention. Unsure where to go, he contacted the dedicated assistance provider identified in his insurance. The provider located a nearby clinic, arranged transportation, while his insurance policy covered the medical expenses directly. The professor received prompt treatment without any out-of-pocket costs, ensuring he could safely continue his trip.

Technology That Makes It Easy

Arch’s digital platform, Arch APEX, allows brokers to quote, bind, and issue special risk insurance policies in minutes. The platform simplifies administration while delivering a seamless experience for you and your clients.

Available Products

International Student Travel

Covers both inbound and outbound
students studying internationally,
ensuring access to medical care while
away from home

University Global Travel

Provides accident and medical
coverage for university students,
faculty, and staff traveling abroad for
education or research.

Student/K-12 Accident Insurance

Offers accident medical coverage for students engaged in school-sponsored activities, including sports, field trips, and daily attendance.

Participant Accident Insurance

Covers groups and individuals in
organized activities, helping with
medical costs from accidents during
sponsored events.

Activity Cancellation or interruption

Reimburses prepaid, non-refundable
deposits if an accident, illness, or
unforeseen event forces a participant
to cancel their activity.

Other Products Available

Additional coverage may include:
Cultural Travel • Individual Sports Accident • Emergency Personnel • Volunteer Firefighters Cancer

Resources for Producers

Arch producers, including brokers and agents, will have access to an array of products, tools and resources to help you with your business.

Contact Us

For more information, contact one of our team members.

Jim Villa 200x200 1 | Special Risks

Jim Villa

Senior Vice President, Strategy and Distribution, A&H

 +1 908 285 5336

Rebecca Raisley 200x200 1 | Special Risks

Rebecca Raisley

Vice President, Strategy and Distribution, A&H

 +1 484 645 4840