Zurich accident solutions

Zurich offers a portfolio of products designed to help protect you against financial hardship resulting from accidental death or injury. Zurich addresses the liabilities issues encountered by business travelers to any organization that sponsors activities. We offer flexibility in product design to address your specific group coverage needs.



Why Zurich?

Our team of experienced accident specialists is ready to work with you to design tailored solutions to help meet your specific company needs. From hospitals and schools to oil and gas companies, Zurich has the knowledge to help protect you against financial hardship.

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Zurich accident solutions

Group personal accident

Protect your employees from financial risks related to unexpected injury. Zurich’s accident solutions team offers group personal accident (GPA) insurance to address the risks most relevant for your workforce. Zurich offers tailored benefit packages, streamlined benefit administration and group priced benefit programs. Zurich’s GPA coverage options include:

  • Accident medical expense: Helps employees manage medical and other expenses effectively
  • Accident in-hospital: Delivers benefits for use as needed when employees are hospitalized
  • Accidental death/catastrophic injury: Addresses employee unique coverage needs in the most serious circumstances
  • Accident disability: Helps employees pay expenses when disabled
  • Zurich Travel Assist®: Addresses employees’ domestic and global travel needs*
  • Additional benefits: Helps manage specific risks and exposures

*This is intended as a general description of certain types of insurance and services available to qualified customers through World Travel Protection Canada Inc. WTP operates as a third party travel insurance administrator for Canadian life insurance companies and banks, and is expanding its travel assist capabilities internationally. 

Zurich Travel Assist is a registered trademark for travel assistance coverage and administered by World Travel Protection, a member company of the Zurich Insurance Group.  

Basic and voluntary AD&D

Support your employees and their families following catastrophic events. Accidental death and dismemberment (AD&D) options offer solace and financial assistance to beneficiaries. Zurich AD&D offers high-limit benefits and services to domestic and global employees. Programs include business travel AD&D, basic 24-hour AD&D, voluntary AD&D, participant and group accident, group occupational accident for independent truckers and excess occupational accident buy-down. Zurich’s products include:

  • Basic 24-hour AD&D: Covers employees for accidents occurring on and off the job, 24 hours a day
  • Voluntary AD&D: High-limit, employee-paid coverage offers flexibility in selecting the amount of coverage plus the option to cover family members
  • Group sponsored special risk: Accident coverage for membership groups, such as organizations, clubs, schools, select associations and participant accident groups
  • Group occupational accident for independent contractors: An insurance solution providing accidental death, accident medical and accident disability to independent contract truck drivers
  • Excess occupational accident buy-down: Insurance that helps minimize the impact of losses resulting from catastrophic accident-related workers’ compensation claims falling within an employer’s deductible or self-insured retention
  • Zurich Travel Assist®: Our premier, value added travel assistance service offers 24-hour employer-paid business travel accident coverage, with high limits. Additional products offered to customers include: medical, security, personal, legal and informational services coupled with our business travel accident insurance

* – This is intended as a general description of certain types of insurance and services available to qualified customers through World Travel Protection Canada Inc. WTP operates as a third party travel insurance administrator for Canadian life insurance companies and banks, and is expanding its travel assist capabilities internationally. 

Zurich Travel Assist is a registered trademark for travel assistance coverage and administered by World Travel Protection, a member company of the Zurich Insurance Group.

Business travel accident

Extend employee security and accident coverage beyond the office. Provide coverage for unfortunate scenarios that may occur during traveling. Zurich offers insurance protection for domestic and international business travelers and 24-hour travel assistance services.

Business travel accident (BTA)

  • Employer-paid benefit plan that offers employees on a trip 24-hour insurance for any covered accident from the time they leave home until they return
  • More than 25 optional coverages available, such as medical, adding pleasure coverage and/or family members
  • Optional coverage for emergency medical expense resulting from injury or illness while traveling abroad 

Travel assistance

  • Connects travelers to a network of third-party providers who can address medical, legal, security, informational and personal assistance needs
  • Provides essential information such as physician and hospital information, travel advisories, weather forecasts and immunization requirements
  • Offers flexibility to work with policyholder’s travel assistance provider of choice including World Travel Protection, a member company of the Zurich Insurance Group

World Travel Protection Canada Inc. (WTP Assist)

  • In collaboration with the International Assistance Group, emergency assistance can be provided to qualified Zurich customers regardless of their country of origin or location of event
  • Provides worldwide multilingual medical, informational, legal and concierge assistance services to qualified customers 24 hours a day, 365 days a year, since 1991
  • Administered by a team who has solid experience in delivering quality customer service, emergency assistance, case management, cost containment and claims handling services

Student and participant accident

Schools and organizations often require special coverage for their students and members. Zurich provides flexible insurance protection with more than 25 modular solutions for groups of varying sizes. Zurich group sponsored special risk (GSSR) coverage includes:

  • An admitted product provided to diverse participants and select association groups ranging in size from small, local groups to large, national groups
  • Various products available by admitted forms
  • High-limit and broad coverage available for loss of life, medical expenses, lost wages and a vast portfolio of more than 25 optional coverages

Learn more about Zurich's student accident coverage

Occupational accident for truckers

Make sure your trucking fleet is covered. Owner-operators and contract drivers are often excluded from a trucking company’s workers’ compensation coverage. Zurich’s occupational accident insurance and contingent liability insurance helps you protect both the on-the-job independent contractor and your company from financial risk.

Occupational accident:

  • Available to qualified drivers
  • Covers owner-operators and contract drivers
  • Accidental medical limits $1 million maximum
  • Accident disability income coverage (temporary total disability and continuous total disability)
  • Accidental death and dismemberment plus paralysis coverage
  • Non-occupational benefit rider 
  • Benefits may be paid directly to claimant on behalf of the trucking company

Contingent liability insurance:

  • Available in most states
  • High limits available
  • Defense costs covered

Potential benefits:

  • Coverage can be provided to qualified drivers the day you sign up
  • 24-hour phone reporting and in-house claims give you direct access to occupational accident specialists who can answer your questions related to your claim
  • Benefits are delivered directly to drivers on behalf of your company for faster turnaround
  • Zurich’s monthly self-reporting system and integrated management tools help eliminate bills and paperwork for maximum efficiency

Download the occupational accident brochure


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