Accident Insurance for Employers

Protect your most valuable asset

Why offer Accident Insurance to your employees?

An employer’s most valuable asset is its employees. A comprehensive and affordable benefit plan is essential to ensure you can attract and retain your best people. Accident insurance is a critical component of this plan, as it offers an affordable way to add valuable coverage to cover gaps in traditional health and life insurance, as well as help employees and their families minimize the financial hardship that can result from an accident.

Basic Accidental Death and Dismemberment (AD&D)

  • Employer-paid AD&D coverage provided to all employees as a complement to traditional life insurance

Voluntary Accidental Death and Dismemberment (AD&D)

  • Optional employee-paid AD&D coverage that provides employees access to insurance with substantially higher benefit amounts at affordable group rates with an option to enroll their spouse and other dependents

Business Travel Accident

  • Since traveling for business often increases the risk of unexpected disruptions, accidental injuries, and emergency illnesses, employers can elect to provide business travel accident insurance to their employees.
  • Flexible accident insurance coverages and benefit options can be tailored for each employee class, including coverage ranging from business travel only to 24-hour business and pleasure.
  • Business Travel Accident provides a comprehensive insurance solution enhancing workers compensation by providing evacuation and emergency medical assistance for employees while traveling.


Insurance coverage is underwritten by Berkley Life and Health Insurance Company and/or StarNet Insurance Company, 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”).