Accident & Health Coverage

Great American offers a wide array of Accident & Health Insurance coverages. The coverage provides comprehensive solutions for losses that may result from an accident.

Who we cover:

Why Do you Need Accident & Health Coverage?

A camper made her way to the canoe on the riverbank. Suddenly, she slipped and fell on the mud, hitting her head on the side of the canoe. The injury required a visit to the emergency room resulting in stitches. The organization was glad it had purchased an Accident & Health policy to accompany its Great American General Liability policy. The accident policy made payment for the camper’s medical bills, and did not affect the limits of the organization’s General Liability policy.

Program Highlights

• Covers accidental injuries that occur on or off premises, during sponsored activities, or while traveling to/from premise
• 24 hour coverage option
• Coverage may include registered participants, staff, children, students, athletes, coaches, spectators and volunteers
• Complements general liability coverage
• Encourages membership and participation

Group Accident and Health Insurance

Accident & Health coverage from Great American Insurance Group 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 coma.

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.

Coverages Features

• Customizable plans available with a broad range of benefits
• Accidental Death and Dismemberment
• Paralysis
• Accident Medical Expense
• Accident Dental Expense
• Coma