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Accident insurance pays a predetermined lump sum to the beneficiaries of the policy if the insured is killed in an accident as a result of an injury or illness.

​Employers usually offer two types of accident insurance:

24-Hour and Business Travel
Twenty-four-hour accident insurance covers any accident the insured may have at any time of the day. It is in addition to the benefits of a group life insurance policy.

Business travel accident insurance covers accidents the insured has while traveling on company business.


Estimated Value
Some companies pay for accident insurance; others require the employee to pay. If your company pays for your accident insurance, tack on an additional 45 cents per $1,000 of annual coverage to your annual compensation package. If you have a family, add about 70 cents per $1,000 of annual coverage. Check with your employer for details. Our vendors and carriers have established an array
of enhance products with the highest level of support and services for our employer clients.


Plan Highlights


  • Eligible Employees - may include, but is not limited to all active full and part-time employees, and / or a specified class or classes of employees as determined by the employer, subject to carrier approval.
  • Benefit Maximum - maybe a flat amount or multiple of earning, and /or benefit limits may vary within each class as determined by the employer, subject to underwriting and the selected carrier. 
  • Waiting Periods - may apply as determined by the employer prior to receiving benefits usually following 30, 60 or 90 days from the date of hire.
  • Minimum Hours - employees maybe required to work regularly a minimum of 20 to 40 per week as determined by the employer, subject to underwriting approval by the selected carrier.
  • Contributions - Employers pays 100% of the cost of premiums for any / and all class(s) of employees covered under these policies. 
  • Definition of Earnings - benefits maybe provided based on a flat amount or multiples of annual earnings that may include based salary, bonus, and / or commissions up to a specified maximum.
  • Guarantee Issue - no medical underwriting and / or related requirements based benefit plans up to pre-determined limits with selected carriers based on the number of covered lives.
  • Benefit Reduction - the amount of coverage or limits maybe reduce at specified ages based on the number of lives with selected carriers.
  • Family Benefits Package: Provides career adjustment, child care and higher education benefits* to family members of insured employees who die as a result of an accident 
  • Seat Belt Benefit: Pays a benefit equal to the amount of the AD&D benefit, up to $10,000, to beneficiaries when an employee dies in an automobile accident while wearing a seat belt 
  • Air Bag Benefit: Provides further protection in the event of a covered automobile accident for which the Seat Belt Benefit is payable.
  • Travel Assistance: - Provides a broad range of support to your clients' employees who travel 100 or more miles from home with a 24 Hr Multi-Lingual Access Internationally.
  • Emergency Evacuation - Secure authorization for treatment & Transport.
  • Repatriation of Remains - Secure Government Authorization & Transport of Remains.
  • Paralysis - Insured who suffer a covered injury resulting in quadriplegia receive the Principal Sum; in paraplegia, 75% of the Principal Sum; and in hemiplegic, 50% of the principal Sum. 
  • Rehabilitation - in the case of a covered loss (other than loss of life), this option provides a training benefit for work the insured would not otherwise be trained to perform (up to $2,500). 
  • Child Education -selected carriers may provide a limited annual benefit for children of an injured employee to attend an institution of higher learning for up to 4 years. 
  • Expanded AD&D: Available at an added cost, offers additional coverage to help protect employees from unexpected financial hardships resulting from the accidental loss of life due to occupational assault, loss of speech or hearing, brain damage, coma benefit - and other covered losses 
  • Leaves of Absence - employees’ maybe covered up to 12 weeks under FMLA and the employer may elect to cover employees on voluntary leave for periods form 30 to 180 days, subject to underwriting approval by the selected carrier.


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PERSONAL ACCIDENT INSURANCE