Participant Accident Plan

This new Participant Accident plan covers medical payments and other responsibilities for accidental injury or death to your members or clients.

We have put together some helpful definitions for coverage included on this plan. The coverage level you choose is based on how many members or clients you have at the time you purchase the policy.

NOTE: This is not liability coverage and does not include defense costs if you are sued. If you need liability insurance, visit the General & Professional Liability information page.


You decide how much coverage your business needs! On the application, select the level closest to how many participants/clients you have at the time you purchase the policy.

Options start at $237.00 for up to 50 participants.
You will select the closest level that will cover the number of participants you have at the time you purchase the policy.

This coverage is not available in Colorado, New Hampshire, New York, or Washington.

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This plan is designed for health or exercise clubs, including:

  • Functional Fitness Facilities
  • Gym & Fitness Studios
  • Health Coaches
  • Life Coaching & Consulting
  • Nutritionists
  • Sports Coach & Recreational Fitness Centers

*Currently unavailable for beauty and bodywork professionals. Contact us to be added to our waiting list. Certain extreme and extra-hazardous activities are excluded. See the list of excluded activities here.


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.


This plan includes the following coverage.

  • Accidental Death, Dismemberment and Paralysis

    $5,000 Per Accident
  • Aggregate Limit of Indemnity

    (Applicable to Accidental Death, Dismemberment and Paralysis Benefit)
  • Accident Medical Expense Benefits

    $25,000 Per Accident
    There is no policy period aggregate limit for medical expense benefits.
  • Dental Maximum

    $500 Per Person
  • Deductible

  • Maximum Benefit Period

    52 Weeks from Date of Accident
  • Incurred Period

    90 Days

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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.