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Participant Accident Insurance – Participant Medical Insurance

Special Risk and Participant Accident Insurance Solutions from AFIG!

Contact us for a no obligation participant accident insurance quote today!

What is Participant Accident Insurance?

Covers injury or death resulting from an accident which occurs directly from: activities that are scheduled, sponsored or supervised by the policyholder; premises owned, leased or borrowed by the policyholder; travel scheduled, sponsored or supervised by the policyholder.

Pays for medical expenses incurred as a result of an accident that takes place during a sponsored event or activity or while traveling to or from an event or activity. Covered expenses can include deductibles, transportation costs, co-payments, and other relevant out of pocket charges that result from an accident on either a primary or excess basis.

Keep your group in the game with AFIG’s participant accident insurance.

Why you need insurance for you social and intramural activities?

Unfortunately, when someone gets hurt while participating in your group, your organization could be held liable for all kinds of injuries – even if your group was not responsible. So be prepared. Think safety first. And protect the group with AFIG’s participant accident insurance for social groups and activities.

Our participant accident insurance plans cover accidental injury or death resulting from activities:

  • that your group has scheduled, sponsored, or supervised
  • that occurs on premises owned, leased, or borrowed by your group
  • that happen during travel scheduled, sponsored, or supervised by your group

Your accident insurance will cover the cost of medical treatment for a covered accident for all registered participants and volunteers for whom the premium has been paid. It includes accidental death and dismemberment. We can also write it so that it coordinates with any existing health coverage. Even international trips such as church missions abroad can be covered.

Participant Accident insurance policies are highly customizable and can be designed to meet the unique needs of any client.


• Coverage may be extended to administrators, staff, and supervisors
of covered activities or events.
• It applies regardless of who is at fault for an accident.
• It is used to complement General Liability policies, which frequently
do not pay medical expenses or have limited benefits that are not
sufficient to cover a large out of pocket medical expense.
• Policies are broad, affordable, and easy to place

Participant Accident Insurance                                        Riding Clubs
Volunteer Accident Insurance                                        Fraternal Organizations
Club Member Accident Insurance                                        Retreats
Employee Assisted Therapy                                        School Groups
Sports Camps                                        Special Events

The Accident Medical Coverage Benefits:

  • Provides personal accident insurance for group-sponsored activities or special events.
  • Includes worldwide travel assistance services that provide emergency medical, emergency travel, and pre-trip information services.

Covered Persons: All players and staff (paid and volunteer) should be covered. Staff normally includes but is not limited to coaches, assistant coaches, managers, umpires, referees, scorekeepers, concession workers, field maintenance workers, and administrators such as directors and officers. The definition of covered persons under the Accident policy should always be at least as broad as the General Liability carrier’s requirement to cover certain persons under an Accident policy.

Medical Expense Benefit:

If the Insured Person incurs eligible expenses as the result of a covered injury, directly and independently of all other causes, the Company will pay the charges incurred for such expense within 1 year, beginning on the date of accident. Payment will be made for eligible expenses in excess of the applicable Deductible Amount, not to exceed the Maximum Medical Benefit. The first such expense must be incurred within 60 days after the date of the accident.

“Eligible expense” means charges for the following necessary treatment and service, not to exceed
the usual and customary charges in the area where provided”

This Plan does not cover treatment or service for which benefits are payable or service is available under any other insurance or medical service plan available to the Insured Person.

A wide variety of organizations and groups are common target markets for Participant Accident insurance, such as:

• Amateur Sports Camps
• Cast & Crew
• Colleges & Universities
• Community & Civic Organizations
• Day Care Centers
• Public & Private Pre-K-12 Schools
• Motorsports
• Municipalities
• Religious Organizations
• National Governing Bodies
• Not for Profit Organizations
• Sports Organizations or
• Study Abroad Groups
• Volunteers
• Volunteer Firefighters

Accidental Death & Dismemberment (AD&D): 

AD&D offers a death benefit commonly ranging from $5000 to $25,000 payable in the event of accidental death. It also provides a dismemberment principle sum limit that matches the accidental death limit in the event of certain paralysis or loss-of-use accidents. The payout for these types of accidents is based on a percentage of the principle sum, depending on the severity of the loss.

Accident Medical Insurance 
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Contact us by phone (800) 874-9191, FAX (602) 992-8327
or email below for more Participant Accident Insurance information.

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Accident Medical Insurance - Accident Insurance