A few years ago, while watching a night-time game of capture the flag, a student was badly injured. An ambulance was called and the student was taken to the hospital. It turned out that the student had severely broken his ankle.

What does this type of incident mean for a school? Should the only responding coverage be whatever medical insurance the student has in force? There is no doubt that if this is a school-sponsored event the school has liability. However, it begs the question, should you simply allow your school to wait to be sued for the injury? What is the best way for your insurance program to respond to an event like this?

One of the best ways to make certain that your students are taken care of when something like this happens is to have a Student Accident Insurance policy in place. This may not be the complete answer if the injuries are severe. However, for many injuries, this type of policy can insure that your students, staff, and volunteers receive the medical care they need and the chance of a lawsuit is mitigated.

Accidental Death & Dismemberment (AD&D) and Accident Medical Expense products can assist your school in decreasing your liability exposure. These products can provide coverage for employees, students and other non-employee participants during sponsored activities.


A school’s employees, students or school volunteers can face different risks than those typically covered by general liability insurance. In some cases, the risks may not be covered at all. A participant accident insurance policy can help close the coverage gap by combining benefits into a single cost-effective participant accident policy:

  • Accidental Death and Dismemberment insurance
  • Accident Medical Expense insurance


Policies can be customized to meet the specific needs of your school.


Coverage is marketed on a blanket basis to specified activities that may include sports, clubs and organizations, child care centers, and more.

Accident Policy Benefits Available

  • Accidental Death & Dismemberment
  • Accidental Medical Expense
  • Brain Damage
  • Burn
  • Coma
  • Medical Evacuation and Repatriation
  • Paralysis
  • Permanent Total Disability
  • Repetitive Motion Injuries
  • Temporary Total Disability
  • Total Loss of Use

Accident Policy Benefits Available

  • Catastrophic Accident Medical Expense
  • Catastrophic Accident Cash
  • Catastrophic Accident Permanent Total Disability
  • Catastrophic Accident Partial Disability
  • Home Alteration and Vehicle Modification
  • Vocational Training

Accident Policy Hazards Available

  • Covered Activity
  • Specified Trip
  • Felonious Assault

For a more comprehensive explanation of the terms and policies described above, contact me and I’d be happy to email you a document that details student accident insurance.

Specific questions? Email Rachel Dobbs.

The information provided herein presents general information and should not be relied on as insurance advice when analyzing and resolving a specific issue. If you have specific questions regarding a particular fact situation, please consult with competent insurance brokers and/or legal counsel about the facts and laws that apply.