HIMI

Accident Insurance.

What is Accident Insurance?

Accident Insurance pays claims for injuries and fatalities caused by covered accidents which would not typically fall under Workers' Compensation (WC), Temporary Disability Insurance (TDI) or individual health insurance.

This coverage is best suited for participants and volunteers involved in amateur sports, educational, non-profit, and niche-oriented organizations. A standalone Accident Policy can help to lower the frequency of General Liability claims, including volunteers and participants, potentially reducing costs for an organization.

Participant Accident Insurance

Provides benefits for group participants and volunteers accidentally injured in policyholder activities. Benefits may be used to help cover the cost of health insurance deductibles, co-payments and other out-of-pocket expenses resulting from a covered accident.

Travel Accident Insurance

Covers employees, students, independent contractors or participants whenever they travel on behalf of the company or organization – whether they are crossing the street for a meeting or traveling internationally for a sponsored activity.

About Our Carrier Partners

Berkley Accident and Health

Berkley Accident and Health is a risk management leader that helps individuals, groups, employers, and healthcare organizations to better understand and manage their risk. With clients ranging from small non-profits to Fortune 500 corporations, they deliver a wide range of insurance protection through their Accident, Stop Loss, Managed Care, and Group Captive programs. Berkley Accident and Health is a member company of W. R. Berkley Corporation, a Fortune 500 company and one of the nation’s premier commercial lines insurance providers.

Learn More

Westchester

Westchester handles complex, difficult-to-place risks in the areas of property, casualty, financial lines, product recall, inland marine and environmental insurance. Their specialty liability products are solutions for a variety of industries and specific areas of risk.

Learn More

HIMI CARRIERS

HIMI partners with carriers you can trust.

View All HIMI Carriers

"Thank you. You were amazing. You helped me through difficult times that were not even your responsibility."

HEMIC Claimant, May 2023

See All Testimonials