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Special Risk Insurance

kids playing soccer

What is Special Risk insurance?

Opportunities to take part in organized activities abound today, from youth sports through adult civic groups. Special Risk Insurance provides accident and injury coverage for students and other participants in activities or events sponsored by schools, day care centers, youth groups, sports teams, recreational associations and civic organizations.

Zurich customizes student accident insurance, amateur and youth sports team insurance, and other Special Risk solutions. One goal is to help protect both the participant and the organization by filling in any gaps in an organization’s general liability policy and providing potentially broader limits. Another goal? To help encourage participation, connection and community — throughout life.

Why Zurich?

Customized coverages
Our group-sponsored coverages can be purchased on a blanket basis annually and for single events. Optional enhancements include football coverage, coverage for staff, and travel coverage to and from events.

Single simplified policy
Organizations can select the coverage options that are right for their students or participants, and Zurich will bundle them under a single policy, with streamlined benefit administration and support to match.

Claims service
Customer care is essential with accident-related coverages. Zurich’s Claims service earns “Best in Class” scores from our customers.1 We are there when it matters most.



Accident Medical Expense

Approximately 1 in 7 Americans sought medical attention for nonfatal accidental injuries in 20172. Accident Medical Expense provides payments to help cover deductibles, co-pays or other expenses following a covered accidental injury.


Accidental Death and Dismemberment (AD&D)

Provides lump sum or periodic cash payments following a covered catastrophic accident resulting in loss of life, limbs, sight, speech or hearing, or that causes critical burn or coma.

physical therapy

Accident Disability

Provides payments following temporary and permanent disabilities resulting from accidents.

group travel

Travel Insurance and Assistance

Zurich Travel AssistTM provides global medical, security and travel assistance 24/7 to group members, such as students or members of a volunteer group, traveling more than 100 miles from home.


Medical Evacuation and Repatriation

Provides coverage for transport to a medical facility qualified to provide the appropriate care based on the injury. In the event of death, provides repatriation of remains to family members.


Related industry and insurance

doctor consultation


nurse in lab

Life and absence management solutions


Professional Liability

3D printer


1 Based on Zurich Closed Claims Net Promoter Score of 83, January 2017-June 2019. “Best in Class” NPS threshold for insurance industry: 51 (2019). Source: Medallia.
2 Source: National Safety Council. Injury Facts® Accessed 10 July 2019.