Accident Medical coverage helps pay the cost of treating an accidental injury occurring during a sponsored activity.  Medical expenses covered include doctor bills, ambulance, hospital and medication.  The coverage is normally issued as Full Excess coverage which means it pays in excess of any primary medical coverage the injured party has. Our Accident Medical policies may also include death and specific loss benefits which pay a lump sum for accidental loss of life, limb, sight or hearing.  This product is designed to help groups and organizations decrease their liability exposure by addressing the gaps in general liability policies.

General Liability coverage covers the cost of investigating claims and defending against third-party lawsuits.  It pays attorney fees, court costs, witness fees and settlements.  It may also cover an injured party’s immediate medical expenses and the cost of repairing or replacing their damaged property.  There are 2 types of coverage available:

• Participant Liability coverage provides liability protection for the named insured not only from third party spectators, but also the participants of your event.  An Accident Medical policy is required in order to purchase Participant Liability coverage.
• Spectator Liability coverage provides liability protection for the named insured from third party spectators and non-participants.

There are 2 categories of liability exposure – Liquor Liability for those in the business of selling alcohol and Host Liquor Liability for those not in the alcohol business but who host a party or event where alcohol may be served or provided for free.  You will need Liquor Liability Coverage if you are selling alcohol or charging a fee to an event that serves alcohol.  Liquor Liability may be added to your policy for an additional fee.  Host Liquor Liability is automatically provided at no additional cost.

Under the Request for Quote tab on this website you have the option of downloading the Request for Quote Form or completing the on-line form.  You can also contact the underwriting department at 1-800-727-7642, option 4 to obtain the appropriate form.

No, you do not need to be registered or appointed to receive a quote.  Registration paperwork will be sent to you when you request to bind coverage for your quote.

We strive to provide prompt and accurate service.  Please allow 3-5 business days for your request to be processed.

A request signed by the insured is required to cancel a policy.  A LPR (Lost Policy Release) form or request on the insured’s letterhead specifying the policyholder name and policy number and cancellation date should be used.  A “wet” signature is required.