What is Special risk insurance?

Special Risk Insurance (Participant Accident)

Why Zurich for Special risk insurance?

Customized coverages. Our group-sponsored coverages can be purchased on a blanket basis annually and for single events. Whether your focus is an annual civic organization meeting at an off-site venue or the season-long needs of your amateur athletic league, we can tailor a suitable policy.

Single simplified policy. For any of our special risk coverages, organizations can select the options that are right for their non-employee participants. Zurich can package 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 Whether your claim is related to a sport accident insurance matter or an unexpected injury during a recreational organization meeting, we are there when it matters most.

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Special Risk Insurance for Camps and Youth Groups
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Insurance solutions for Special risk

Accident Medical Expense

Approximately one in seven Americans sought medical attention for nonfatal accidental injuries in 2018.2 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)

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 one that causes critical burn or coma.

Accident Disability

This coverage provides payments following temporary and permanent disabilities resulting from accidents.

Travel Insurance and Assistance

Zurich Travel Assist™ provides global medical, security and travel assistance 24/7 to group members (such as members of a civic organization or volunteer group) traveling more than 100 miles from home.

Medical Evacuation and Repatriation

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

Want to learn more?

Connect with our Customer Inquiry Center for more information.

FAQs

From youth sports to adult civic groups, organized activities enrich our lives … but they are not without risks. Zurich customizes participant accident and injury coverage for amateur and youth sports teams (not falling under Student Accident Insurance), and non-employee participants in activities or events sponsored by day care centers, youth groups, non-school sports teams, and recreational and civic organizations.

Our Special Risk Insurance provides coverage and other special risk solutions with one goal in mind: protecting both participants and organizations. It complements an organization’s general liability policy, filling in any gaps in that coverage and providing potentially broader limits. With the right protection in place, it’s easier to encourage participation, connection and community — throughout life.

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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 National Safety Council. Injury Facts®. “All Injuries.” Accessed 15 January 2021.