skip to main content

Sponsoring an event? You may need participant accident insurance.

runners in race

As more people are becoming comfortable with in-person gatherings, your organization may be looking to sponsor a charity dinner, sports league, or other event. These types of events can be a fun way to build your company’s brand, provide entertainment, and help those in need. Unfortunately, if someone gets hurt while participating, your organization could be held liable for the injuries.

That’s when having participant accident insurance can be extremely helpful.


What is participant accident insurance?

Participant accident insurance provides coverage for group-sponsored activities, special events, and the people who are volunteering and participating in those events. Coverage can also be extended to those who organize and manage the events. The policy is designed to pay lump sum amounts in the case of covered accidental death, dismemberment, dental expenses, or disability.

Chubb’s participant accident insurance provides worldwide coverage.


Who is participant accident insurance for?

  • Sponsors of special events
  • Charitable or religious organizations
  • Amateur sport teams, sport clubs, or sport camps
  • Volunteer, civic, or community service organizations
  • Recreational associations
  • Schools, daycares, or childcare centers
  • Youth groups and youth camps
  • Entertainment and reality TV program participants


Here are some real-life scenarios to consider:

While participating in a charitable race, a cyclist was hit by a car and left paralyzed on one side of his body. The event sponsor’s participant accident insurance paid a lump sum for his paralysis as well as home modifications to help him live and get around more comfortably.

During a baseball tournament sponsored by a local restaurant, a teenage boy was struck in the mouth with a baseball, breaking several of his teeth and causing extensive damage. The sponsor had participant accident insurance, which paid for the boy’s covered expenses to treat and replace his damaged teeth.


Why it’s important to have participant accident insurance.

Accidents happen all the time, even under the best of circumstances. Those accidents can impact not only the people injured, but their families and the companies they work for. By providing participant accident insurance for your volunteers and event participants, you can help ensure those injured at an event receive care.

Participant accident insurance can also increase your value as a sponsoring organization, building good will with your event volunteers, members, and participants. It helps protect your organization from liability claims by covering a variety of expenses related to accidents or injuries that occur at your event under a separate policy.

Events are fun, but if a volunteer or participant gets in an accident or is injured, that fun can vanish quickly. With Chubb’s participant accident insurance, organizations can better protect their volunteers and participants—providing a more complete risk management package when the unexpected occurs.


This document is advisory in nature and is offered as a resource to be used together with your professional insurance advisors in maintaining a loss prevention program. It is an overview only, and is not intended as a substitute for consultation with your insurance broker, or for legal, engineering or other professional advice.

Chubb is the marketing name used to refer to subsidiaries of Chubb Limited providing insurance and related services. For a list of these subsidiaries, please visit our website at Insurance provided by Chubb Insurance Company of Canada or Chubb Life Insurance Company of Canada (collectively, “Chubb Canada”). All products may not be available in all provinces or territories. This communication contains product summaries only. Coverage is subject to the language of the policies as actually issued. 

Contact us
Contact us

Have questions?

Contact a broker today.