Category: Social Services Insurance

Accident Policy

Typically an Accident Policy is purchased by those who work with children, youth, or seniors. Examples of such are Daycares, Schools and Senior Centers. This policy is by no means a replacement for Worker’s Compensation or an actual Health Insurance Plan but rather for the students or seniors while participating in a program should they “accidentally” injure themselves.

Normally these policies will have lower limits for injuries and death and have a limited time frame in which payment will be made. The intent is to cover true accidents that occur such as broken arms and cuts. These types of policies tend to be inexpensive as they are limited strictly for this purpose and as stated earlier not a replacement for Worker’s Compensation or a Health Plan.

Some carrier’s are Cigna and Hartford to name a few but there are more that may be in the local market. The best way is to simply ask an agent that is familiar with these types of risks and request some quotes. Other than that researching online is a very helpful tool.