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Group Accident and Health Insurance
The Accident & Health division of Great American Insurance Group, known as pomi (an acronym for peace of mind insurance), can help protect businesses, groups, and organizations in a variety of markets when injuries happen. We work with independent insurance brokers and agents to help protect their clients and their clients’ volunteers, participants, students and athletes.
What is Group Accident Insurance?
Group accident insurance is an insurance policy that businesses, groups, and organizations can purchase to help protect their participants, students, athletes and volunteers in the event of an injury. The policy can provide coverages for accidental medical, accidental dental, and accidental death and dismemberment. Optional coverages include paralysis and catastrophic crash.
Why Should You Consider Offering Group Accident Insurance to Your Clients?
Accidents happen, and when they do, they can get expensive. That’s why businesses may need more than just general liability coverage. Group accident coverage offers an extra layer of financial protection that can help your clients avoid unexpected costs. Plus, unlike general liability, group accident policies are no-fault, meaning no one has to admit fault, which simplifies the claims process and can help avoid litigation.
We provide group accident protection for volunteers, students, athletes and participants in a variety of industries. Examples include:
- A volunteer slips and falls at a nonprofit.
- A youth football player gets injured at a game.
- A student is injured during a classroom science experiment.
Help your clients protect their participants, students, athletes and volunteers – with a group accident policy.
Target Markets
Youth Sports
- Soccer, hockey, football, volleyball, baseball, softball, track and field, cheer, gymnastics, swimming, basketball, martial arts, equestrian and more
- Over 3.5 million kids are injured every year playing sports.
K-12 Schools
- Private, public and charter schools
- It is estimated that 10% to 25% of childhood injuries occur while the child is in school.
Colleges and Universities
- Coverage for general campus, activities and student athletes
- 24–hour option for student athletes
Health and Fitness Gyms
- Gyms, fitness centers, yoga studios, races and events
- Nearly 500,000 people are injured every year from gym equipment.
Camps
- Overnight camps, day camps and summer camps
- Includes coverage for field trips and swimming pools
After School Activities
- Martial arts, dance, cooking classes, music, gymnastics and equestrian
Nonprofits
- Animal shelters, food pantries and other miscellaneous charities
Childcare
- Home daycares, commercial daycares and playgrounds
Coverages We Offer
Online Portal
We are committed to simplifying the insurance application process. Most of our policies can be quoted and bound online in a matter of minutes. Once you’re appointed with us, you’ll receive a login to access our portal and manage your book of business. Already appointed and need a login? Request one by emailing George Wilson at [email protected].
Custom Insurance Solutions
We can collaborate with you to create custom program insurance solutions across a wide variety of target markets, from schools to youth sports organizations and many more. We offer a product policy that is tailored to the needs of your clients. With dedicated underwriting, claims and business development teams, we can work with you to craft a policy for the unique needs of your clients. In some cases, we can even work with internal and external resources to put together a package of other coverages, such as general liability.
Whether you’re looking for a tailored policy or a more simplified group accident plan you can bind in minutes, Great American’s Accident & Health division (pomi) can help meet your needs. We strive to provide you with the tools you need to serve your customers.
If you are a business or organization not currently working with a licensed broker and are interested in group accident coverage, please fill out this form. Please note, we do NOT offer general liability coverage.
If you’re looking for individual coverage as a consumer, please visit getpomi.com.
Resources and Articles
Quote Forms
Brochures
- Group Coverage Overview
- Overview General
- Child Care
- Youth Sports
- Camps
- Health/Fitness
- After School Activities
- Non-Profit
- K-12 Schools
- Collegiate Activities