Individuals and Families | Accident Insurance

Protect what matters most in life

Why is supplemental insurance coverage necessary?

Gaps in coverage and deductibles in health insurance plans are on the rise. Supplemental insurance products, such as Accident Insurance, can help to fill those gaps in coverage and the benefit payments can be used to help meet those rising deductibles.

What is Accident Insurance?

Accident Insurance provides coverage if you are injured or suffer a fatality in a covered accident. Your policy reimburses medical expenses you have incurred and/or provides a cash benefit that can be used however you choose — for groceries, rent, transportation, or even to help offset deductibles or co-pays. Unlike traditional life and health insurance products, if you are eligible to enroll, you may do so by completing a simple application with no health questions or screening required.

How do I get accident coverage?

Your employer, membership group, or other sponsoring organization, such as your sports or non-profit organization, may already be able to offer you this coverage. Ask your HR manager or group for more details.


Insurance coverage is underwritten by Berkley Life and Health Insurance Company (domiciled in Iowa – California Certificate of Authority #08527) and/or StarNet Insurance Company  (domiciled in Iowa – California Certificate of Authority #6978), 2445 Kuser Road, Suite 201, Hamilton Square, NJ 08690, both member companies of W. R. Berkley Corporation and both rated A+ (Superior) by A.M. Best. Not all products and services may be available in all jurisdictions, and the coverage provided is subject to the actual terms and conditions of the policies issued. Payment of claims under any insurance policy issued will only be made in full compliance with all United States economic or trade and sanction laws or regulation, including, but not limited to, sanctions, laws and regulations administered and enforced by the U.S. Treasury Department’s Office of Foreign Assets Control (“OFAC”).