Participant Accident

Participant Accident Insurance from Arch Insurance is accident protection for participants, group members or students taking part in supervised activities and events.

Participant accident insurance is specifically tailored to support community or participants involved in an organization's supervised and sponsored activities and events. It covers medical expenses arising from accidents incurred during these activities, as well as providing financial support in the tragic event of accidental death and dismemberment.

Coverage options can be tailored for any duration, up to a full year up to 364 days.

Who Benefits from Participant Accident Insurance?

Organizations that typically require participant accident insurance include:

Non-Profits and Charities

These entities rely heavily on volunteers. Since they are not employees, they are not generally covered by traditional workers' compensation insurance. Participant accident insurance is vital for helping to protect these crucial contributors. Arch Insurance provides coverage for a wide range of non-profit organizations, including:

  • Arts & Cultural Organizations
  • Community & Economic Development Organizations
  • Community Kitchens
  • Domestic Violence & Child Welfare Organizations
  • Educational Groups
  • Environmental Groups
  • Food Pantries
  • Health & Wellness Groups
  • Human Rights & Humanitarian Organizations
  • Religious Organizations
  • Social Services Organizations
  • Many Other Groups.
Participant Accident Insurance For Non-Profits

Youth & Amateur Sports

Injures are common in sports, and having the right coverage can help assist with medical bills, co-pays and even rehabilitation. Covered activities include practices, games, tournaments, or even a full season. Group coverage may be available for sports camps, teams, and leagues.

We cover a range of sports including:

  • Baseball
  • Basketball
  • Cheerleading
  • Figure Skating
  • Football
  • Gymnastics
  • Hockey
  • Lacrosse
  • Soccer
  • Softball
  • Swimming
  • Track and Field
  • Volleyball
  • And many more!

Accident coverage can make a big difference for athletes and their families. Contact us to get a quote.

Youth Camps and Child Educational Centers

Children may be especially prone to accidents and injuries as they learn to navigate the world around them. With participant accident coverage, youth camps and child educational centers can help protect both their kids and volunteers, in case an accident happens.

Arch can provide coverage for a variety of campers and child educational centers, including, but not limited to the following:

  • Child Education Centers
  • Child Development Centers
  • Nursery Schools
  • Saturday Education Programs
  • Preschool
  • After-school programs

Having the right coverage in an emergency can make a big difference to kids and their families. Contact us to get a quote.

Participant Accident Insurance For Camps and Child Educational Centers

Participant Accident Plan Features and Benefits

Arch’s Participant Accident plans may include these key benefits, including coverage for:

  • Accidental Death & Dismemberment – Should a tragedy occur, having the right protection can make a different for participants and their families.
  • Accidental Medical Expenses – If medical attention is needed as a result of an accident, this benefit can provide help for medical bills, co-pays and deductibles, and other out-of-pocket expenses.
woman walking a path on crutches, close up on feet

Why Choose Arch for Participant Accident Insurance?

woman walking a path on crutches, close up on feet
  1. Innovative Underwriting: Our underwriting and product development teams employ creativity and analytical rigor to develop solutions that meet unique organizational needs.
  2. End-to-End Solutions: From underwriting to claims and customer service, Arch offers a seamless insurance experience.
  3. Tech-Driven Transparency: Our investment in technology ensures an accessible and transparent process for clients
  4. Award-Winning Customer Service: Our well-tenured, continuously trained customer service team is dedicated to providing exceptional support.
  5. Solid Financial Backing: Arch boasts impressive financial strength, verified by top-notch ratings from credit rating agencies like AM Best, Fitch, and Moody's.

Efficiently Manage Your Participant Program with Arch ApexSM

Arch believes that you should not have to waste your valuable time to follow multiple steps of quoting, binding and issuing an accident policy. That’s why we launched Arch ApexSM, which allows you to quickly and easily generate insurance quotes in minutes.

Click here to learn more about Arch Apex.

Frequently Asked Questions

Yes, the accidental death benefit may pay out in addition to other policies.

Participants and volunteers have benefits for up to 1 year from the date of the covered accident. The first covered expenses must be incurred within 90 days after the covered accident.

Accident medical expense benefits are paid in excess* of any other health care plan held by the insured.

Some exclusions include self-inflicted injuries, war-related events, experimental treatments, and injuries under the influence of substances apply to this coverage. For a comprehensive list, please refer to your policy.

*May vary by state

Contact us

If your organization type is not listed above, you may find that one of our other accident products is more appropriate for you. Contact us to speak with a representative about your options.

Contact Us
Get A Quote

Get a quote from Arch Insurance's Accident and Health division for coverage relating to accident, disability and travel insurance products.

Go to the Get a Quote page

Contact Us

For more information, contact one of our team members or complete the contact us form below.

Jim Villa, Senior Vice President, Strategy & Distribution, A&H
Jim Villa
Senior Vice President,
Strategy and Distribution, A&H
+1 908 285 5336
Rebecca Raisley, Vice President, Strategy and Distribution, Accident & Health
Rebecca Raisley
Vice President,
Strategy and Distribution, A&H
+1 484 645 4840