Life happens.
So you need to be prepared for its twists and turns. In today’s highly litigious environment, accident insurance can be a great risk management tool to help organizations.
Did you know a recent study found that nearly 1 in 5 American households couldn’t pay for medical care when needed? And that 40% of personal bankruptcy filings are a result of medical debt? When participants, volunteers, or other constituents get injured, helping to take care of their medical bills can be a significant deterrent to a liability claim.
As one of the country’s largest writers of group accident insurance, we have solutions for nearly every industry and after 40+ years in business, we’ve seen just about everything!
Things typically covered by an accident medical policy:
- Hospital bills, including room and board
- Emergency room / urgent care treatment
- Outpatient treatment
- Ambulance expenses (can be ground and air ambulance), from the accident site to the nearest hospital
- Medical or surgical treatment by a licensed physician
- Prescription drugs and medicines
- Dental expenses
- Physical Therapy
Insurance Programs We Offer
Mandatory, Catastrophic, and Voluntary insurance plans for K-12 schools nationwide.
Protects drivers and their passengers with specialized insurance that covers occupational and passenger accidents, ensuring financial security while on the road.
Cover your athletes with HSR’s flexible sports insurance, providing protection during games, practices, and travel, ensuring peace of mind for all involved.
Protect your small business with HSR's customized Business Travel Accident (BTA) coverage. From accident medical expenses to worldwide travel assistance, we've got your team covered wherever they go.
Ensure the safety of campers with HSR’s customized accident insurance, covering everything from minor injuries to major accidents, so you can focus on providing a great camp experience.
Protect participants, volunteers, and guests at your events with tailored accident insurance that offers peace of mind, no matter the size or type of event.
Protect your church or religious group with HSR's tailored coverage, designed to meet the unique needs of your community. From youth group activities and senior events to festivals, volunteer groups, and childcare, we've got you covered so you can focus on your mission.
Coverage pays for medical bills incurred when participants are injured in a covered accident.
Unfortunately, accidents happen away from home and things don’t always go as planned which is why Student Travel insurance from HSR can help provide peace of mind while students are traveling, whether domestically or internationally.
Ensure the safety of children in day care with essential accident medical coverage, providing peace of mind for working parents and protecting their little ones from unforeseen incidents.
Coverage for thousands participating in sanctioned activities nationwide, ensuring their commitment and resilience shine through.
Mitigate the risks inherent in sports with tailored participant accident coverage from HSR, ensuring protection for youth and adult athletes across a variety of traditional and emerging sports.
When you partner with us, you get the claims management support needed to keep costs low and efficiency high. Contact us today to get started with our trusted services.