Special Risk Participant Accident Insurance
Agents & Brokers

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.

Chubb's Special Risk focus is primarily on program business where we partner with brokers/wholesalers who have a book of business and demonstrate extensive knowledge in one or more of our Targeted Customer Groups.  Generally, we are looking for programs that can produce $1 million or more within a 2-3 year time period.  We also are committed to working with large national and regional organizations and their brokers to meet the organization's unique needs. 

Targeted Customer Groups, including but not limited to:

• Sports groups, including:
  • Intercollegiate sports programs
  • 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
  • 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, including:
  • Youth activities
  • Youth camps - day/overnight
  • Sponsored special events and retreats
• Child Care Centers, including:
  • School affiliated centers
  • Church affiliated centers
• Clubs - Sponsored and supervised activities
• Organ Donor Programs
• Catastrophic Medical Programs

Broad Coverage Options:

• Excess Accident Medical Expense – Coverage may be extended to include:
  • Heart and Circulatory
  • Repetitive Mothion (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.

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