Accident Medical Insurance

This coverage helps pay medical expenses for accidental injuries that occur during your nonprofit’s sponsored activities, whether it’s a fall, collision, or other incident. It’s designed to reduce out-of-pocket costs for those involved.

Anyone injured while participating in, attending, or volunteering at your nonprofit’s insured event is eligible for coverage. That includes the public, members, and staff involved in your organization’s approved activities.

Accident Medical Plus reimburses for eligible medical expenses related to an accidental injury. Coverage applies up to the policy limit you select. Each claim includes a $25 deductible.

This is a supplemental policy—not a substitute for Liability Plus. While general liability focuses on third-party claims and legal protection, Accident Medical Plus is designed to help with direct medical expenses. Many nonprofits carry both for broader protection.

Your policy is valid for a full 12 months from the start date you choose. Coverage applies across all 50 states.

While Accident Medical Plus offers broad protection, some exclusions apply. This summary does not override or replace the actual policy language.

Exclusions include:

• Sickness, disease, or infections
• Intentional self-harm or attempted suicide
• War or acts of war (declared or undeclared)
• Air travel (unless as a passenger on a licensed commercial airline)

This coverage is limited to accidental injuries that occur during covered activities. For complete details, refer to the full policy wording.

Your coverage is supported by an A+ rated carrier—giving your organization the security and reliability it deserves.

Accident Medical Insurance helps cover out-of-pocket medical expenses for injuries that happen during a nonprofit’s sponsored event or activity. Unlike liability insurance, which is focused on legal claims and third-party lawsuits, accident medical pays medical bills directly, regardless of who’s at fault.

Yes. The policy covers individuals injured while participating in, volunteering at, or attending an insured event. This includes members of the public, staff, and volunteers acting on behalf of your organization.

It’s not legally required, but many nonprofits choose to carry it to provide added protection and peace of mind during physical activities, youth programs, or public events. It’s especially useful for groups with frequent in-person gatherings.

Did You Know? Some venues and school districts require proof of Accident Medical coverage in addition to liability. Adding this coverage helps reduce financial risk and shows your group takes safety seriously.

No. Accident Medical is a supplement to Liability Plus—not a replacement. Liability handles legal defense and settlements, while accident medical helps pay medical costs quickly after an injury.

Coverage is available up to the limit you select when purchasing the policy. Each accident includes a $25 deductible, and the policy provides reimbursement for eligible medical expenses.

Exclusions include illnesses, self-inflicted injuries, injuries related to war or military actions, and air travel (unless on a commercial flight). The policy only applies to accidental injuries that occur during covered activities.