Covering schools, sports and special events since 1985, Special Markets Insurance Consultants' (SMIC) Accident Medical products protect participants during organized athletic, leisure and recreational activities. Individuals are covered while participating in the insured organization’s activities and traveling to, during or after such activities as a member of a group in transportation furnished or arranged by the policyholder.

General Liability coverage afforded by this program provides protection to the Named Insured for Bodily Injury and Property Damage claims arising from the inherent risks involved in operating athletic, leisure and recreational activities. Participant Liability coverage is included. This important coverage protects the Named Insured against claims brought by third parties and participants of the insured activities.

Typical Accident Medical Plan Description

• $25,000 Maximum
• $10,000 Accidental Death and Dismemberment Schedule
• Flexible Plan Designs

Typical General Liability Plan Description

• $1,000,000 per occurrence /$2,000,000 aggregate
  • Including coverage for:
    • Products and Completed Operations Coverage
    • Lawsuits brought against you by Spectators, Participants, and Volunteers
    • Personal and Advertising Injury Coverage
    • Participant Liability Coverage
    • Property Damage Liability Coverage
    • Host Liquor Liability Coverage
    • Additional Insureds Coverage for Owners of Leased Premises and Sponsors
    • Non-Audited policy
    • No Deductible