Participant Accident and Injury coverage is the most commonly overlooked - and most important - component of action sports insurance. When a paying customer gets hurt during your activity, your General Liability policy often won't respond. That's not a technicality: it's a deliberate exclusion in most standard commercial policies. Our programs include dedicated Participant Accident coverage that pays medical expenses and injury benefits regardless of fault, keeping your customers protected and your business out of litigation you didn't need to be in.
Accident and Health Insurance coverage usually provides medical limits up to $50,000 (deductible options available) to cover medical and out-of-pocket costs that may be incurred after an accidental injury at your business. This may include emergency treatment, hospital stays, medical exams and other expenses.
What's Covered
- Medical expense coverage for injured participants
- Accidental death and dismemberment benefits
- No-fault — covers participants regardless of negligence
- Per-participant and aggregate limits
- Covers organized events, open play, and leagues
- Available as a stand-alone or package endorsement
Most standard carriers exclude this coverage. It's not optional — it's essential. We have programs specifically designed to include it.
Need Accident and Health Coverage?
Get a bindable quote in under 48 hours. No obligation.
Get My Free Quote