Special Risk
Accident & Health

Special Risk Participant Accident Insurance from Chubb provides accident protection for members of groups or associations participating in sponsored and supervised sporting activities or events, as well as club, church or civic group events or activities.  Benefits include Excess Accident Medical, Accidental Death & Dismemberment and Temporary Total Disability.  Maximum benefits, deductibles and benefit periods for Accident Medical coverage vary by request.  This coverage is an excellent complement to general liability insurance which may be discounted with the existence of a participant accident program.

In addition, Chubb Special Risk is willing to partner with brokers/wholesalers who have a book of business or brokers who specialize in one or more of our Targeted Customer Groups. Please contact your local Chubb Accident & Health representative for further details.

Targeted Customer Groups, including but not limited to:

• Sports groups:
  • Amateur youth and adult sports programs
  • Amateur officials organizations
  • Recreational associations
  • Camps and Clinics - Day/Overnight
• Motorsports:
  • Competitive Racing Events
  • Driver Schools
  • Racing teams, Tune and Tests
• K-12 Student Accident (Basic and Catastrophic Accident):
  • Private/Independent Schools
  • Public Schools/School Districts
• National Governing Bodies (NGBs):
  • Olympic or non-Olympic member associations
• Not for Profit Organizations with Volunteers:
  • Community and civic organizations
  • Charitable and fund raising organizations
• National Church Organizations:
  • Youth activities
  • Youth camps - day/overnight
  • Sponsored special events and retreats
• Child Care Centers:
  • School affiliated centers
  • Church affiliated centers
• Clubs:
  • Sponsored and supervised activities

Broad Coverage Options:

• Excess Accident Medical Expense – Coverage may be extended to include:
  • Heart and Circulatory
  • Repetitive Motion (Expanded Medical)
  • Dental care expenses
  • Physical therapy expenses
  • Orthopedic appliances expenses
  • Transportation expenses
• Accidental death and dismemberment – loss of life, limbs, sight, speech and hearing.
• Temporary Total Disability
• Additional coverages are available including, paralysis, medical evacuation, repatriation of remains and ID Theft.  Certain coverages may not be available in every state.

Product Features 

• Coverage can be customized to cover members or volunteers on an annual or short-term basis while:
  • Participating in a sponsored, scheduled activity
  • Traveling immediately to and from a covered event or activity
• Innovative and flexible plan design with various deductible and maximum benefit options.
• Coverage may be extended to administrators, staff and supervisors of the activities or events.
• Provided on a sponsor-paid blanket basis.

What does Chubb have to offer?

• Quick quote capabilities
• Accident Product Experience
• Legendary Chubb service
• Claim Expertise – quick and fair handling of covered injuries by expert claim adjusters
• Affordable and competitive pricing
• Broad coverage options
• Underwriting expertise
• Financial Strength – a strong, financially stable company committed to serving this market.

If you have a claim, please visit the Accident & Health Claims site.

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