Group Accident Insurance That Keeps Your Team Covered
Accidents are unpredictable, but their financial impact doesn’t have to be. Group accident insurance provides a financial cushion for employees after sudden injuries—whether it’s a broken bone, dislocation, burn, or an ER visit following a fall. This voluntary benefit is designed to help with costs that traditional health insurance doesn’t always fully cover, such as deductibles, copays, and non-medical expenses like transportation or childcare during recovery. It’s a straightforward, affordable addition to your benefits package that’s easy for employees to understand and even easier to appreciate. We help businesses across Southern Illinois select accident coverage that integrates smoothly with their existing plans and budgets.
Accident Coverage That Works With Any Health Plan
Even comprehensive health insurance often leaves gaps when an injury occurs. Ambulance rides, urgent care visits, imaging tests, or lost wages can all add up quickly. Group accident insurance pays a lump-sum cash benefit directly to the employee after a covered incident—giving them the freedom to use the money however they need. Whether it’s paying down medical bills, covering missed workdays, or easing the cost of recovery, this extra layer of financial protection brings peace of mind. And because it works alongside any health plan, it’s a great fit for teams of all sizes, from first-time benefit builders to businesses enhancing a mature offering.
Why It Matters
A slip, a fall, or a sports injury—accidents can happen to anyone. Offering accident insurance shows employees you care about their total well-being.
What’s Typically Covered
Emergency Room Visits
Pays a lump sum benefit for ER care after an accident.
Broken Bones & Dislocations
Covers fractures, sprains, and physical therapy costs.
Transportation & Lodging
Helps pay for travel and hotel costs if care requires treatment far from home.
Accident Insurance FAQs
Do employees need to submit receipts?
No. Benefits are paid based on the type of injury or treatment, not actual bills.
Can families be covered too?
Yes. Many plans offer spouse and dependent options.
Does this replace workers' compensation?
No. This is separate and voluntary, meant to supplement health insurance.
How much does it cost?
Rates are very affordable—often just a few dollars per paycheck.