Participant Accident Plan - NOW INCLUDED AUTOMATICALLY!

The Participant Accident insurance covers medical payments and other responsibilities for accidental injury or death to your members or clients.

For more details on the coverage limits included, visit the Coverage & Pricing page.


Accidental Death, Dismemberment and Paralysis

This coverage pays the injured party or their beneficiaries a set amount of money if they die, lose a limb or are paralyzed as a direct result of an accident at your facility or while participating in a covered activity.

Aggregate Limit of Indemnity

This is the most the policy will pay for Accidental Death, Dismemberment and Paralysis benefits total during the policy period.

Accident Medical Expense Benefits

Accident Medical Expense Benefit is what the policy will pay for medical services expenses if a participant is injured. This covers costs like emergency room charges, doctor visits, hospital bills and other similar expenses.

Dental Maximum

This sublimit is the most the policy will pay for dental services required as the result of a participant's injuries from an accident.

Expenses incurred for dental services are also subject to the Maximum Accidental Medical Expense Benefits.

Maximum Benefit Period

This is the period of time between the date of the accident causing injury to the participant and the date when no further eligible expenses may be incurred by the injured participant.

Incurred Period

The Incurred Period (or Incurral Period) means the time period the covered loss or covered expense must be claimed. The Incurred Period begins on the date the accident causing the loss happened.

Cyber Liability

*Recommended for all online service providers. Cyber liability protection may cover a business for a data breach in which the business customers' personal information, such as social security or credit card numbers, address, phone number, or any other personally identifiable information, is exposed or stolen by a hacker or other criminal who has gained access to the business electronic network.